<SEC-DOCUMENT>0001193125-16-496738.txt : 20160308
<SEC-HEADER>0001193125-16-496738.hdr.sgml : 20160308
<ACCEPTANCE-DATETIME>20160308155114
ACCESSION NUMBER:		0001193125-16-496738
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		139
CONFORMED PERIOD OF REPORT:	20151231
FILED AS OF DATE:		20160308
DATE AS OF CHANGE:		20160308

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FINANCIAL INSTITUTIONS INC
		CENTRAL INDEX KEY:			0000862831
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				160816610
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-26481
		FILM NUMBER:		161491547

	BUSINESS ADDRESS:	
		STREET 1:		220 LIBERTY STREET
		CITY:			WARSAW
		STATE:			NY
		ZIP:			14569
		BUSINESS PHONE:		5857861100

	MAIL ADDRESS:	
		STREET 1:		220 LIBERTY STREET
		CITY:			WARSAW
		STATE:			NY
		ZIP:			14569
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>d120623d10k.htm
<DESCRIPTION>10-K
<TEXT>
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<TITLE>10-K</TITLE>
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<h5 align="left"><a href="#toc">Table of Contents</a></h5>


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<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman" ALIGN="center"><B>UNITED STATES</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES AND EXCHANGE COMMISSION</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:11pt; font-family:Times New Roman" ALIGN="center"><B>Washington, D.C.&nbsp;20549</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.50pt solid #000000;width:34%">&nbsp;</P></center> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="bottom"><FONT STYLE="font-size:10pt">(Mark&nbsp;One)</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>Form 10-K</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.50pt solid #000000;width:34%">&nbsp;</P></center>
<P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="2%">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="top" ALIGN="left">[<B>X</B>]<B></B></TD>
<TD ALIGN="left" VALIGN="top"><B></B>ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 </TD></TR></TABLE> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">For
the fiscal year ended <U>&nbsp;&nbsp;&nbsp;&nbsp;<B>December&nbsp;31, 2015</B>&nbsp;&nbsp;&nbsp;&nbsp;</U> </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">OR </P>
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<TR>
<TD WIDTH="2%">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="top" ALIGN="left">[&nbsp;&nbsp;]<B></B></TD>
<TD ALIGN="left" VALIGN="top"><B></B>TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 </TD></TR></TABLE>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">For the transition period from
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> to
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Commission file number <B>000-26481</B>&nbsp;&nbsp;&nbsp;&nbsp; </P>
<P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.50pt solid #000000;width:34%">&nbsp;</P></center>
<P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:20pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">(Exact name of registrant as specified in its charter) </P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.50pt solid #000000;width:34%">&nbsp;</P></center> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top" ALIGN="center"><B>NEW YORK</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>16-0816610</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top" ALIGN="center">(State or&nbsp;other jurisdiction of incorporation or organization)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">(I.R.S. Employer Identification No.)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
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<TD VALIGN="top" ALIGN="center"><B>220 LIBERTY STREET, WARSAW, NEW YORK</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>14569</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top" ALIGN="center">(Address of principal executive offices)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">(ZIP Code)</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:12%; font-size:10pt; font-family:Times New Roman">Registrant&#146;s telephone number, including area code:&nbsp;&nbsp;&nbsp;&nbsp;<B>(585) 786-1100</B> </P>
<P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities registered under Section 12(b) of the Exchange Act:<B> </B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" ALIGN="center">Title of each class</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Name of exchange on which registered</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" ALIGN="center"><B>Common stock, par value $.01 per share</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>NASDAQ Global Select Market</B></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&nbsp;Securities registered under Section 12(g) of the Exchange Act:
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>NONE </B> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark if the registrant is a
well-known seasoned issuer, as defined in Rule 405 of the Securities Act.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Yes&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#254;</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by
check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.&nbsp;&nbsp;
Yes&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#254;</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by
check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the past 12 months (or for such shorter period that the registrant was required to file such
reports), and (2) has been subject to such filing requirements for the past 90
days.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Yes <FONT
STYLE="FONT-FAMILY:WINGDINGS">&#254;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark
whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule&nbsp;405 of Regulation&nbsp;S-T (&#167;&nbsp;232.405 of this chapter)
during the preceding 12&nbsp;months (or for such shorter period that the registrant was required to submit and post such
files).&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Yes&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#254;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (&#167; 229.405 of this chapter) is not contained herein, and
will not be contained, to the best of the registrant&#146;s knowledge, in definitive proxy or information statements </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">incorporated by reference in Part III
of this form 10-K or any amendment to this Form 10-K.&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark whether the
registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See definitions of &#147;large accelerated filer,&#148; &#147;accelerated filer&#148; and &#147;smaller reporting company&#148;
in Rule 12b-2 of the Exchange Act. </P>
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<TD WIDTH="57%"></TD>
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<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Large&nbsp;accelerated&nbsp;filer&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Accelerated&nbsp;filer <FONT STYLE="FONT-FAMILY:WINGDINGS">&#254;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Non-accelerated&nbsp;filer&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Smaller&nbsp;reporting&nbsp;company&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange
Act).&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Yes&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#254;</FONT> </P>
<P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The aggregate market value of the registrant&#146;s common stock, par value $0.01 per share, held by non-affiliates of the registrant, as computed by
reference to the June&nbsp;30, 2015 closing price reported by NASDAQ, was approximately $340,191,000. </P> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">As of February&nbsp;29, 2016, there were
outstanding, exclusive of treasury shares, 14,485,883 shares of the registrant&#146;s common stock. </P> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>DOCUMENTS INCORPORATED BY REFERENCE
</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Portions of the registrant&#146;s proxy statement for the 2016 Annual Meeting of Shareholders are incorporated by reference in Part III of this Annual
Report on Form 10-K. </P>

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<h5 align="left"><a href="#toc">Table of Contents</a></h5>


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<TD VALIGN="top" ALIGN="center"><B><A NAME="toc"></A>TABLE OF CONTENTS&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
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<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3" ALIGN="center"><B><A HREF="#toc120623_1">PART I </A></B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>PAGE</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Item&nbsp;1.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="#toc120623_2">Business</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">&nbsp;&nbsp;&nbsp;&nbsp;4</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Item&nbsp;1A.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="#toc120623_3">Risk Factors</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">&nbsp;&nbsp;18</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Item&nbsp;1B.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="#toc120623_4">Unresolved Staff Comments</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">&nbsp;&nbsp;26</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Item&nbsp;2.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="#toc120623_5">Properties</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">&nbsp;&nbsp;26</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Item&nbsp;3.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="#toc120623_6">Legal Proceedings</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">&nbsp;&nbsp;26</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Item&nbsp;4.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="#toc120623_7">Mine Safety Disclosures</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">&nbsp;&nbsp;26</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="29" COLSPAN="3"></TD>
<TD HEIGHT="29" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3" ALIGN="center"><B><A HREF="#toc120623_8">PART II </A></B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Item&nbsp;5.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="#toc120623_9">Market for Registrant&#146;s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">&nbsp;&nbsp;27</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Item&nbsp;6.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="#toc120623_10">Selected Financial Data</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">&nbsp;&nbsp;28</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Item&nbsp;7.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="#toc120623_11">Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">&nbsp;&nbsp;33</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Item&nbsp;7A.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="#toc120623_12">Quantitative and Qualitative Disclosures About Market Risk</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">&nbsp;&nbsp;57</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Item&nbsp;8.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="#toc120623_13">Financial Statements and Supplementary Data</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">&nbsp;&nbsp;60</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Item&nbsp;9.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="#toc120623_14">Changes in and Disagreements with Accountants on Accounting and Financial Disclosure</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">118</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Item&nbsp;9A.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="#toc120623_15">Controls and Procedures</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">118</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Item&nbsp;9B.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="#toc120623_16">Other Information</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">118</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="29" COLSPAN="3"></TD>
<TD HEIGHT="29" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3" ALIGN="center"><B><A HREF="#toc120623_17">PART III </A></B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Item&nbsp;10.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="#toc120623_18">Directors, Executive Officers and Corporate Governance</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">119</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Item&nbsp;11.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="#toc120623_19">Executive Compensation</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">119</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Item&nbsp;12.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="#toc120623_20">Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">119</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Item&nbsp;13.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="#toc120623_21">Certain Relationships and Related Transactions, and Director Independence</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">119</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Item&nbsp;14.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="#toc120623_22">Principal Accounting Fees and Services</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">119</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="29" COLSPAN="3"></TD>
<TD HEIGHT="29" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3" ALIGN="center"><B><A HREF="#toc120623_23">PART IV </A></B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Item&nbsp;15.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="#toc120623_24">Exhibits and Financial Statement Schedules</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">120</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="#toc120623_25">Signatures</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">123</TD></TR>
</TABLE>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc120623_1"></A>PART I </B></P>
<P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>FORWARD LOOKING INFORMATION </B></P> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Statements
in this Annual Report on Form 10-K that are based on other than historical data are forward-looking within the meaning of the Private Securities Litigation Reform Act of 1995.&nbsp;Forward-looking statements provide current expectations or forecasts
of future events and include, among others: </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">statements with respect to the beliefs, plans, objectives, goals, guidelines, expectations, anticipations, and future financial condition, results
of operations and performance of Financial Institutions, Inc. (the &#147;Parent&#148; or &#147;FII&#148;) and its subsidiaries (collectively the &#147;Company,&#148; &#147;we,&#148; &#147;our,&#148; &#147;us&#148;); and </P></TD></TR></TABLE>
<P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">statements preceded by, followed by or that include the words &#147;may,&#148; &#147;could,&#148; &#147;should,&#148; &#147;would,&#148;
&#147;believe,&#148; &#147;anticipate,&#148; &#147;estimate,&#148; &#147;expect,&#148; &#147;intend,&#148; &#147;plan,&#148; &#147;projects,&#148; or similar expressions. </P></TD></TR></TABLE>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">These forward-looking statements are not guarantees of future performance, nor should they be relied upon as representing management&#146;s
views as of any subsequent date. Forward-looking statements involve significant risks and uncertainties and actual results may differ materially from those presented, either expressed or implied, in this Annual Report on Form 10-K, including, but
not limited to, those presented in the Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations. Factors that might cause such material differences include, but are not limited to: </P>
<P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">If we experience greater credit losses than anticipated, earnings may be adversely impacted; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Our tax strategies and the value of our deferred tax assets could adversely affect our operating results and regulatory capital ratios;
</P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Geographic concentration may unfavorably impact our operations; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">We depend on the accuracy and completeness of information about or from customers and counterparties; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Our insurance brokerage subsidiary, SDN, is subject to risk related to the insurance industry; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">We are subject to environmental liability risk associated with our lending activities; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Commercial real estate and business loans increase our exposure to credit risks; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Our indirect lending involves risk elements in addition to normal credit risk; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">We accept deposits that do not have a fixed term and which may be withdrawn by the customer at any time for any reason; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Any future FDIC insurance premium increases may adversely affect our earnings; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">We are highly regulated and may be adversely affected by changes in banking laws, regulations and regulatory practices; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">New or changing tax and accounting rules and interpretations could significantly impact our strategic initiatives, results of operations, cash
flows, and financial condition; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Legal and regulatory proceedings and related matters could adversely affect us and banking industry in general; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">A breach in security of our or third party information systems, including the occurrence of a cyber incident or a deficiency in cyber security, may subject us to liability, result in a loss of customer business or
damage our brand image; </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">We face competition in staying current with<B> </B>technological changes to compete and meet customer demands; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">We rely on other companies to provide key components of our business infrastructure; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">We use financial models for business planning purposes that may not adequately predict future results; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">We may not be able to attract and retain skilled people; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Acquisitions may disrupt our business and dilute shareholder value; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">We are subject to interest rate risk; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Our business may be adversely affected by conditions in the financial markets and economic conditions generally; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">The fiscal and monetary policies of the federal government and its agencies have a significant impact on our earnings; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">The soundness of other financial institutions could adversely affect us; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">The value of our goodwill and other intangible assets may decline in the future; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">A potential proxy contest for the election of directors at our annual meeting or proposals arising out of shareholder initiatives could cause us to
incur substantial costs and negatively affect our business; </P></TD></TR></TABLE>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">We operate in a highly competitive industry and market area; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Severe weather, natural disasters, acts of war or terrorism, and other external events could significantly impact our business;
</P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Liquidity is essential to our businesses; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">We may need to raise additional capital in the future and such capital may not be available on acceptable terms or at all; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">We rely on dividends from our subsidiaries for most of our revenue; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">We may not pay or may reduce the dividends on our common stock; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">We may issue debt and equity securities or securities convertible into equity securities, any of which may be senior to our common stock as to
distributions and in liquidation, which could<B> </B>dilute our current shareholders or negatively affect the value of our common stock; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Our certificate of incorporation, our bylaws, and certain banking laws may have an anti-takeover effect; and </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">The market price of our common stock may fluctuate significantly in response to<B> </B>a number of factors. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 3 - </P>


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<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We caution readers not to place undue reliance on any forward-looking statements, which speak
only as of the date made, and advise readers that various factors, including those described above, could affect our financial performance and could cause our actual results or circumstances for future periods to differ materially from those
anticipated or projected.&nbsp;See also Item 1A, Risk Factors, of this Annual Report on Form 10-K for further information.&nbsp;Except as required by law, we do not undertake, and specifically disclaim any obligation to publicly release any
revisions to any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements. </P> <P STYLE="font-size:22pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="toc120623_2"></A>ITEM
1.&nbsp;&nbsp;&nbsp;&nbsp;BUSINESS </B></P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>GENERAL </B></P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Financial Institutions, Inc.,
(the &#147;Company&#148;) is a financial holding company organized in 1931 under the laws of New York State (&#147;New York&#148; or &#147;NYS&#148;). The principal office of the Company is located at 220 Liberty Street, Warsaw, New York 14569 and
its telephone number is (585) 786-1100. The Company was incorporated on September&nbsp;15, 1931, but the continuity of its banking business is traced to the organization of the National Bank of Geneva on March&nbsp;28, 1817.&nbsp;Except as the
context otherwise requires, the Company and its direct and indirect subsidiaries are collectively referred to in this report as the &#147;Company.&#148;&nbsp;Five Star Bank is referred to as Five Star Bank, &#147;FSB&#148; or &#147;the Bank,&#148;
and Scott Danahy Naylon, LLC is referred to as &#147;SDN.&#148; The consolidated financial statements include the accounts of the Company, the Bank and SDN. The Company&#146;s common stock is traded on the NASDAQ Global Select Market under the
ticker symbol &#147;FISI.&#148; </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">At December&nbsp;31, 2015, the Company had consolidated total assets of $3.38 billion, deposits of $2.73
billion and shareholders&#146; equity of $293.8 million. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company&#146;s primary business is the operation of its subsidiaries.&nbsp;It
does not engage in any other substantial business activities.&nbsp;At December&nbsp;31, 2015, the Company had two direct wholly-owned subsidiaries: (1) the Bank, which provides a full range of banking services to consumer, commercial and municipal
customers in Western and Central New York; and (2) SDN, which sells various premium-based insurance policies on a commission basis to commercial and consumer customers.&nbsp;At December&nbsp;31, 2015, the Bank represented 99.3% and SDN represented
0.6% of the consolidated assets of the Company.&nbsp;Further discussion of our segments is included in Note 20 to the Company&#146;s Consolidated Financial Statements included under Item 8 of this Annual Report on Form 10-K. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Five Star Bank </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Bank is a New York
chartered bank that has its headquarters at 55 North Main Street, Warsaw, NY, and a total of 50 full-service banking offices in the New York State counties of Allegany, Cattaraugus, Cayuga, Chautauqua, Chemung, Erie, Genesee, Livingston, Monroe,
Ontario, Orleans, Seneca, Steuben, Wyoming and Yates counties. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">At December&nbsp;31, 2015, the Bank had total assets of $3.36 billion,
investment securities of $1.03 billion, net loans of $2.06 billion, deposits of $2.74 billion and shareholders&#146; equity of $302.6 million, compared to total assets of $3.07 billion, investment securities of $916.9 million, net loans of $1.88
billion, deposits of $2.46 billion and shareholders&#146; equity of $256.3 million at December&nbsp;31, 2014. The Bank offers deposit products, which include checking and NOW accounts, savings accounts, and certificates of deposit, as its principal
source of funding.&nbsp;The Bank&#146;s deposits are insured up to the maximum permitted by the Bank Insurance Fund (the &#147;Insurance Fund&#148;) of the Federal Deposit Insurance Corporation (&#147;FDIC&#148;).&nbsp;The Bank offers a variety of
loan products to its customers, including commercial and consumer loans and commercial and residential mortgage loans. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Scott Danahy Naylon,
LLC</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Acquired in August&nbsp;2014, SDN is a full-service insurance agency founded in 1923 and headquartered in Amherst, NY.&nbsp;SDN
offers personal, commercial and financial services products and serves over 6,000 clients in 44 states.&nbsp;For the year ended December&nbsp;31, 2015, SDN had total revenue of $5.0 million. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">SDN&#146;s primary market area is Erie and Niagara counties in New York State.&nbsp;Most lines of personal insurance are provided, including
automobile, homeowners, boat, recreational vehicle, landlord, and umbrella coverage.&nbsp;Commercial insurance products are also provided, consisting of property, liability, automobile, inland marine, workers compensation, bonds, crop and umbrella
insurance.&nbsp;SDN also provides the following financial services products:&nbsp;life and disability insurance, Medicare supplements, long-term care, annuities, mutual funds, retirement programs and New York State disability. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Courier Capital</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Acquired in
January&nbsp;2016, Courier Capital, LLC is an SEC-registered investment advisory and wealth management firm based in Western New York, with offices in Buffalo and Jamestown. With $1.2 billion in assets under management, Courier Capital offers
customized investment management, investment consulting and retirement plan services to over 1,100 individuals, businesses and institutions. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 4 - </P>


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<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Other Subsidiaries </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In addition to the Bank and SDN, the Company had the following indirect wholly-owned subsidiary as of December&nbsp;31, 2015: </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Five Star REIT, Inc.</B><B>&nbsp;&nbsp;</B>Five Star REIT, Inc., a wholly-owned subsidiary of the Bank, operates as a real estate investment
trust that holds residential mortgages and commercial real estate loans.&nbsp;Five Star REIT provides additional flexibility and planning opportunities for the business of the Bank. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Business Strategy </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our business strategy
has been to maintain a community bank philosophy, which consists of focusing on and understanding the individualized banking and other financial services needs of individuals, municipalities and businesses of the local communities surrounding our
primary service area. We believe this focus allows us to be more responsive to our customers&#146; needs and provide a high level of personal service that differentiates us from larger competitors, resulting in long-standing and broad-based banking
relationships. Our core customers are primarily small- to medium-sized businesses, individuals and community organizations who prefer to build banking, insurance and wealth management relationships with a community bank that offers and combines high
quality, competitively-priced products and services with personalized service. Because of our identity and origin as a locally operated bank, we believe that our level of personal service provides a competitive advantage over larger banks, which
tend to consolidate decision-making authority outside local communities. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">A key aspect of our current business strategy is to foster a
community-oriented culture where our customers and employees establish long-standing and mutually beneficial relationships. We believe that we are well-positioned to be a strong competitor within our market area because of our focus on community
banking needs and customer service, our comprehensive suite of deposit, loan, insurance and&nbsp;wealth management products typically found at larger banks, our highly experienced management team and our strategically located banking
centers.&nbsp;We believe that the foregoing factors all help to grow our core deposits, which supports a central element of our business strategy - the growth of a diversified and high-quality loan portfolio. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Acquisition Strategy </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We will continue to
explore market expansion opportunities in or near our current market areas as opportunities arise.&nbsp;Our primary focus will be on increasing market share within existing markets, while taking advantage of potential growth opportunities within our
insurance and wealth management lines of business by acquiring new businesses that can be added to existing operations.&nbsp;We believe our capital position remains strong enough to support an active merger and acquisition strategy, and expansion of
our core financial service businesses of banking, insurance and wealth management.&nbsp;Consequently, we continue to explore acquisition opportunities in these activities. In evaluating acquisition opportunities, we will balance the potential for
earnings accretion with maintaining adequate capital levels, which could result in our common stock being the predominate form of consideration and/or the need for us to raise capital. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Conversations with potential strategic partners are occurring on a regular basis. The evaluation of any potential opportunity will favor a
transaction that complements our core competencies and strategic intent, with a lesser emphasis being placed on geographic location or size.&nbsp;Additionally, we remain committed to maintaining a diversified revenue stream.&nbsp;Our senior
management team has had extensive experience in acquisitions and post-acquisition integration of operations, and is prepared to act quickly should a potential opportunity arise, but will remain disciplined with its approach.&nbsp;We believe this
experience positions us to successfully acquire and integrate additional financial services and banking businesses.</P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>MARKET AREAS AND COMPETITION
</B></P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We provide a wide range of banking and financial services to individuals, municipalities and businesses through a network of over 50
offices and an extensive ATM network throughout Western and Central New York.&nbsp;The region includes the counties of Allegany, Cattaraugus, Cayuga, Chautauqua, Chemung, Erie, Genesee, Livingston, Monroe, Ontario, Orleans, Schuyler, Seneca,
Steuben, Wyoming and Yates counties.&nbsp;Our banking activities, though concentrated in the communities where we maintain branches, also extend into neighboring counties.&nbsp;In addition, we have expanded our consumer indirect lending presence to
the Capital District of New York and Northern and Central Pennsylvania. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our market area is economically diversified in that we serve both
rural markets and the larger markets in and around Rochester and Buffalo.&nbsp;Rochester and Buffalo are the two largest metropolitan areas in New York outside of New York City, with a combined population of over two million people.&nbsp;We
anticipate continuing to increase our presence in and around these metropolitan statistical areas in the coming years. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 5 - </P>


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<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We face significant competition in both making loans and attracting deposits, as both Western and
Central New York have a high density of financial institutions.&nbsp;Our competition for loans comes principally from commercial banks, savings banks, savings and loan associations, mortgage banking companies, credit unions, insurance companies and
other financial service companies.&nbsp;Our most direct competition for deposits has historically come from commercial banks, savings banks and credit unions.&nbsp;We face additional competition for deposits from non-depository competitors such as
the mutual fund industry, securities and brokerage firms and insurance companies.&nbsp;We generally compete with other financial service providers on factors such as level of customer service, responsiveness to customer needs, availability and
pricing of products, and geographic location.&nbsp;Our industry frequently experiences merger activity, which affects competition by eliminating some institutions while potentially strengthening the franchises of others. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table presents the Bank&#146;s market share percentage for total deposits as of June&nbsp;30, 2015, in each county where we have
operations. The table also indicates the ranking by deposit size in each market. All information in the table was obtained from SNL Financial of Charlottesville, Virginia, which compiles deposit data published by the FDIC as of June&nbsp;30, 2015
and updates the information for any bank mergers and acquisitions completed subsequent to the reporting date. </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
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<TD style="width:31pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:31pt"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD style="width:34pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:34pt"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD style="width:50pt"></TD>
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<TD style="width:50pt"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD WIDTH="28%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><B>County</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Market&nbsp;&nbsp;&nbsp;&nbsp;<BR>Share</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Market&nbsp;&nbsp;&nbsp;&nbsp;<BR>Rank</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Number&nbsp;of&nbsp;&nbsp;<BR>Branches<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allegany</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7.4</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cattaraugus</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28.1</TD>
<TD NOWRAP VALIGN="bottom">%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cayuga</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3.3</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Chautauqua</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.2</TD>
<TD NOWRAP VALIGN="bottom">%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Chemung</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">14.4</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Erie</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.4</TD>
<TD NOWRAP VALIGN="bottom">%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Genesee</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">21.7</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Livingston</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37.0</TD>
<TD NOWRAP VALIGN="bottom">%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Monroe</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1.4</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ontario</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.9</TD>
<TD NOWRAP VALIGN="bottom">%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Orleans</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">23.5</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Seneca</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24.6</TD>
<TD NOWRAP VALIGN="bottom">%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Steuben</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">27.9</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Wyoming</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53.8</TD>
<TD NOWRAP VALIGN="bottom">%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Yates</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">43.6</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="15"> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:5%">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><SUP
STYLE="font-size:85%; vertical-align:top">(1) </SUP>&nbsp;&nbsp;&nbsp;&nbsp;Number of branches current as of December&nbsp;31, 2015.</P></TD></TR>
</TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>INVESTMENT ACTIVITIES </B></P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our investment policy is contained within our overall Asset-Liability Management and Investment Policy. This policy dictates that investment
decisions will be made based on the safety of the investment, liquidity requirements, potential returns, cash flow targets, need for collateral and desired risk parameters. In pursuing these objectives, we consider the ability of an investment to
provide earnings consistent with factors related to quality, maturity, marketability, pledgeable nature and risk diversification. Our Treasurer, guided by our Asset-Liability Committee (&#147;ALCO&#148;), is responsible for investment portfolio
decisions within the established policies. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our investment securities strategy is focused on providing liquidity to meet loan demand and
redeeming liabilities, meeting pledging requirements, managing credit risks, managing overall interest rate risks and maximizing portfolio yield.&nbsp;Our current policy generally limits security purchases to the following: </P>
<P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">U.S. treasury securities; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">U.S. government agency securities, which are securities issued by official Federal government bodies (e.g., the Government National Mortgage
Association (&#147;GNMA&#148;) and the Small Business Administration (&#147;SBA&#148;)), and U.S. government-sponsored enterprise securities, which are securities issued by independent organizations that are in part sponsored by the federal
government (e.g., the Federal Home Loan Bank (&#147;FHLB&#148;) system, the Federal National Mortgage Association (&#147;FNMA&#148;), the Federal Home Loan Mortgage Corporation (&#147;FHLMC&#148;) and the Federal Farm Credit Bureau);
</P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Mortgage-backed securities (&#147;MBS&#148;) include mortgage-backed pass-through securities, collateralized mortgage obligations and multi-family
MBS issued by GNMA, FNMA and FHLMC; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Investment grade municipal securities, including revenue, tax and bond anticipation notes, statutory installment notes and general obligation
bonds; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Certain creditworthy un-rated securities issued by municipalities; </P></TD></TR></TABLE>
<P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Certificates of deposit; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Equity securities at the holding company level; and </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Limited partnership investments. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 6 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>LENDING ACTIVITIES </B></P>
<P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>General </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We offer a broad range of loans
including commercial business and revolving lines of credit, commercial mortgages, equipment loans, residential mortgage loans and home equity loans and lines of credit, home improvement loans, automobile loans and personal loans.&nbsp;Newly
originated and refinanced fixed rate residential mortgage loans are either retained in our portfolio or sold to the secondary market with servicing rights retained. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We continually evaluate and update our lending policy.&nbsp;The key elements of our lending philosophy include the following: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">To ensure consistent underwriting, employees must share a common view of the risks inherent in lending activities as well as the standards to be
applied in underwriting and managing credit risk; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Pricing of credit products should be risk-based; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">The loan portfolio must be diversified to limit the potential impact of negative events; and </P></TD></TR></TABLE>
<P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Careful, timely exposure monitoring through dynamic use of our risk rating system is required to provide early warning and assure proactive
management of potential problems. </P></TD></TR></TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Commercial Business and Commercial Mortgage Lending </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We originate commercial business loans in our primary market areas and underwrite them based on the borrower&#146;s ability to service the loan
from operating income. We offer a broad range of commercial lending products, including term loans and lines of credit. Short and medium-term commercial loans, primarily collateralized, are made available to businesses for working capital (including
inventory and receivables), business expansion (including acquisition of real estate, expansion and improvements) and the purchase of equipment. We offer commercial business loans to customers in the agricultural industry for short-term crop
production, farm equipment and livestock financing.&nbsp;As a general practice, where possible, a first position collateral lien is placed on any available real estate, equipment or other assets owned by the borrower and a personal guarantee of the
owner is obtained.&nbsp;As of December&nbsp;31, 2015, $102.9 million, or 33%, of our aggregate commercial business loan portfolio were at fixed rates, while $210.8 million, or 67%, were at variable rates. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We also offer commercial mortgage loans to finance the purchase of real property, which generally consists of real estate with completed
structures and, to a smaller extent, agricultural real estate financing. Commercial mortgage loans are secured by first liens on the real estate and are typically amortized over a 10 to 20 year period. The underwriting analysis includes credit
verification, appraisals and a review of the borrower&#146;s financial condition and repayment capacity. As of December&nbsp;31, 2015, $238.0 million, or 42%, of the loans in our aggregate commercial mortgage portfolio were at fixed rates, while
$328.1 million, or 58%, were at variable rates. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We utilize government loan guarantee programs where available and appropriate. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Government Guarantee Programs </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We
participate in government loan guarantee programs offered by the SBA, U.S. Department of Agriculture, Rural Economic and Community Development and Farm Service Agency, among others.&nbsp;As of December&nbsp;31, 2015, we had loans with an aggregate
principal balance of $54.3 million that were covered by guarantees under these programs.&nbsp;The guarantees typically only cover a certain percentage of these loans.&nbsp;By participating in these programs, we are able to broaden our base of
borrowers while minimizing credit risk. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Residential Mortgage Lending </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We originate fixed and variable rate one-to-four family residential mortgages collateralized by owner-occupied properties located in our market
areas.&nbsp;We offer a variety of real estate loan products, which are generally amortized over periods of up to 30 years.&nbsp;Loans collateralized by one-to-four family residential real estate generally have been originated in amounts of no more
than 80% of appraised value, or have mortgage insurance.&nbsp;Mortgage title insurance and hazard insurance are normally required.&nbsp;We sell certain one-to-four family residential mortgages to the secondary mortgage market and typically retain
the right to service the mortgages.&nbsp;To assure maximum salability of the residential loan products for possible resale, we typically follow the underwriting and appraisal guidelines of the secondary market, including the FHLMC and the Federal
Housing Administration, and service the loans in a manner that satisfies the secondary market agreements.&nbsp;As of December&nbsp;31, 2015, our residential mortgage servicing portfolio totaled $196.0 million, the majority of which has been sold to
the FHLMC.&nbsp;As of December&nbsp;31, 2015, our residential mortgage loan portfolio totaled $98.3 million, or 5% of our total loan portfolio.&nbsp;We do not engage in sub-prime or other high-risk residential mortgage lending as a line-of-business.
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 7 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Consumer Lending </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We offer a variety of loan products to our consumer customers, including home equity loans and lines of credit, automobile loans, secured
installment loans and other types of secured and unsecured personal loans.&nbsp;At December&nbsp;31, 2015, outstanding consumer loan balances were concentrated in indirect automobile loans and home equity products, which represented 61% and 37% of
our outstanding consumer loan balances, respectively.</P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We originate indirect consumer loans for a mix of new and used vehicles through
franchised new car dealers.&nbsp;The consumer indirect loan portfolio is primarily comprised of loans with terms that typically range from 36 to 84 months.&nbsp;We have developed relationships with franchised new car dealers in Western, Central and
the Capital District of New York, and Northern and Central Pennsylvania.&nbsp;As of December&nbsp;31, 2015, our consumer indirect portfolio totaled $676.9 million, or 33% of our total loan portfolio.&nbsp;The consumer indirect loan portfolio
primarily consists of fixed rate loans with relatively short durations. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We also originate, independently of the indirect loans described
above, consumer automobile loans, recreational vehicle loans, boat loans, home improvement loans, closed-end home equity loans, home equity lines of credit, personal loans (collateralized and uncollateralized) and deposit account collateralized
loans. The terms of these loans typically range from 12 to 240 months and vary based upon the nature of the collateral and the size of loan. The majority of the consumer lending program is underwritten on a secured basis using the customer&#146;s
home or the financed automobile, mobile home, boat or recreational vehicle as collateral. As of December&nbsp;31, 2015, $286.5 million, or 70%, of the loans in our home equity portfolio were at fixed rates, while $123.6 million, or 30%, were at
variable rates. Approximately 82% of the loans in our home equity portfolio were in first lien positions at December&nbsp;31, 2015.&nbsp;The other loans in our consumer portfolio totaled $18.5 million as of December&nbsp;31, 2015, all but $895
thousand of which were fixed rate loans. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Credit Administration </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our loan policy establishes standardized underwriting guidelines, as well as the loan approval process and the committee structures necessary
to facilitate and ensure the highest possible loan quality decision-making in a timely and businesslike manner.&nbsp;The policy establishes requirements for extending credit based on the size, risk rating and type of credit involved.&nbsp;The policy
also sets limits on individual loan officer lending authority and various forms of joint lending authority, while designating which loans are required to be approved at the committee level. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our credit objectives are to: </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Compete effectively and service the legitimate credit needs of our target market; </P></TD></TR></TABLE>
<P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Enhance our reputation for superior quality and timely delivery of products and services; </P></TD></TR></TABLE>
<P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Provide pricing that reflects the entire relationship and is commensurate with the risk profiles of our borrowers; </P></TD></TR></TABLE>
<P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Retain, develop and acquire profitable, multi-product, value added relationships with high quality borrowers; </P></TD></TR></TABLE>
<P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Focus on government guaranteed lending and specialize in this area to meet the needs of the small businesses in our communities; and
</P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Comply with all relevant laws and regulations. </P></TD></TR></TABLE>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our policy includes loan reviews, under the supervision of our Audit and Risk Oversight committees of the Board of Directors and directed by
our Chief Risk Officer, in order to render an independent and objective evaluation of our asset quality and credit administration process. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We assign risk ratings to loans in the commercial business and commercial mortgage portfolios.&nbsp;We use those risk ratings to: </P>
<P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Profile the risk and exposure in the loan portfolio and identify developing trends and relative levels of risk; </P></TD></TR></TABLE>
<P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Identify deteriorating credits; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Reflect the probability that a given customer may default on its obligations; and </P></TD></TR></TABLE>
<P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Assist with risk-based pricing. </P></TD></TR></TABLE>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Through the loan approval process, loan administration and loan review program, management seeks to continuously monitor our credit risk
profile and assesses the overall quality of the loan portfolio and adequacy of the allowance for loan losses. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We have several procedures
in place to assist in maintaining the overall quality of our loan portfolio.&nbsp;Delinquent loan reports are monitored by credit administration to identify adverse levels and trends.&nbsp;Loans, including impaired loans, are generally classified as
non-accruing if they are past due as to maturity or payment of principal or interest for a period of more than 90 days, unless such loans are well-collateralized and in the process of collection.&nbsp;Loans that are on a current payment status or
past due less than 90 days may also be classified as non-accruing if repayment in full of principal and/or interest is uncertain. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 8 - </P>


<p Style='page-break-before:always'>
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<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Allowance for Loan Losses </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The allowance for loan losses is established through charges to earnings in the form of a provision for loan losses. The allowance reflects
management&#146;s estimate of the amount of probable loan losses in the portfolio, based on factors such as: </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Specific allocations for individually analyzed credits; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
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<TD WIDTH="4%">&nbsp;</TD>
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<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Risk assessment process; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Historical net charge-off experience; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Evaluation of loss emergence and look-back periods; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Evaluation of the loan portfolio with loan reviews; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Levels and trends in delinquent and non-accruing loans; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
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<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Trends in volume and terms of loans; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
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<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Effects of changes in lending policy; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
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<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Experience, ability and depth of management; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">National and local economic trends and conditions; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Concentrations of credit; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
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<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Interest rate environment; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Customer leverage; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Information (availability of timely financial information); and </P></TD></TR></TABLE>
<P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Collateral values. </P></TD></TR></TABLE>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our methodology for estimating the allowance for loan losses includes the following: </P>
<P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Impaired commercial business and commercial mortgage loans, generally in excess of $50 thousand are reviewed individually and assigned a specific
loss allowance, if considered necessary, in accordance with U.S. generally accepted accounting principles (&#147;GAAP&#148;). </P></TD></TR></TABLE> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">The remaining portfolios of commercial business and commercial mortgage loans are segmented by risk rating into the following loan classification
categories: uncriticized or pass, special mention, substandard and doubtful.&nbsp;Uncriticized loans, special mention loans, substandard loans and all doubtful loans not assigned a specific loss allowance are assigned allowance allocations based on
historical net loan charge-off experience for each of the respective loan categories, supplemented with additional reserve amounts, if considered necessary, based upon loss emergence periods and qualitative factors.&nbsp;These qualitative factors
include the levels and trends in delinquent and non-accruing loans, trends in volume and terms of loans, effects of changes in lending policy, experience, ability, and depth of management, national and local economic trends and conditions,
concentrations of credit, interest rate environment, customer leverage, information (availability of timely financial information), and collateral values, among others. </P></TD></TR></TABLE>
<P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">3.</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">The retail loan portfolio is segmented into the following types of loans: residential mortgage, home equity (home equity loans and lines of
credit), consumer indirect and other consumer.&nbsp;Allowance allocations for the retail loan portfolio are based on the average loss experience for the previous eight quarters, supplemented with loss emergence periods and qualitative factors
similar to the elements described above. </P></TD></TR></TABLE> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Management presents a quarterly review of the adequacy of the allowance for
loan losses to the Audit Committee of our Board of Directors based on the methodology described above. See also the section titled &#147;Allowance for Loan Losses&#148; in Part II, Item 7, &#147;Management&#146;s Discussion and Analysis of Financial
Condition and Results of Operations&#148; of this Annual Report on Form 10-K. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 9 - </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SOURCES OF FUNDS </B></P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our primary sources of funds are deposits, borrowed funds, scheduled amortization and prepayments of principal from loans and mortgage-backed
securities, maturities and calls of investment securities and funds provided by operations. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Deposits </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We maintain a full range of deposit products and accounts to meet the needs of the residents and businesses in our primary service area.
Products include an array of checking and savings account programs for individuals and businesses, including money market accounts, certificates of deposit, sweep investment capabilities as well as Individual Retirement Accounts and other qualified
plan accounts.&nbsp;We rely primarily on competitive pricing of our deposit products, customer service and long-standing relationships with customers to attract and retain these deposits and seek to make our services convenient to the community by
offering a choice of several delivery systems and channels, including telephone, mail, online, automated teller machines (ATMs), debit cards, point-of-sale transactions, automated clearing house transactions (ACH), remote deposit, and mobile banking
via telephone or wireless devices.&nbsp;We also take advantage of the use of technology by offering business customers banking access via the Internet and various advanced cash management systems. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We had no traditional brokered deposits at December&nbsp;31, 2015; however, we do participate in the Certificate of Deposit Account Registry
Service (&#147;CDARS&#148;) and Insured Cash Sweep (&#147;ICS&#148;) programs, which enable depositors to receive FDIC insurance coverage for deposits otherwise exceeding the maximum insurable amount. Through these programs, deposits in excess of
the maximum insurable amount are placed with multiple participating financial institutions. Reciprocal CDARS deposits and ICS deposits totaled $92.9 million and $146.6 million, respectively, at December&nbsp;31, 2015. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Borrowings </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We have access to a variety
of borrowing sources and use both short-term and long-term borrowings to support our asset base.&nbsp;Borrowings from time-to-time include federal funds purchased, securities sold under agreements to repurchase, FHLB advances and borrowings from the
discount window of the FRB.</P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>OPERATING SEGMENTS </B></P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">As of December&nbsp;31, 2015 we had two reportable operating segments, banking and insurance, which are delineated by the subsidiaries of
Financial Institutions, Inc. as of December&nbsp;31, 2015. The banking segment includes all of the Company&#146;s retail and commercial banking operations. The insurance segment includes the activities of SDN, a full service insurance agency that
provides a broad range of insurance services to both personal and business clients. The Company operated as one business segment until the acquisition of SDN on August&nbsp;1, 2014, at which time the new &#147;Insurance&#148; segment was created for
financial reporting purposes. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">For a discussion of the segments included in our principal activities and certain financial information for
each segment, see Note 20, Business Segments, of the notes to consolidated financial statements included in this Annual Report on Form 10-K. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>OTHER
INFORMATION </B></P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We also make available, free of charge, through our website, all reports filed with the SEC, including our Annual Reports
on Form&nbsp;10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K, as well as any amendments to those reports, as soon as reasonably practicable after those documents are filed with, or furnished to, the SEC.&nbsp;These filings may
be viewed by accessing the <I>Company Filings </I>subsection of the <I>SEC Filings</I> section under the <I>Investor Relations</I> tab on our website (<FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U>www.fiiwarsaw.com</U></FONT><FONT
STYLE="font-family:Times New Roman">). Information available on our website is not a part of, and is not incorporated into, this Annual Report on Form 10-K. </FONT></P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">All of the reports we file with the SEC, including this Annual Report on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form
8-K, as well as any amendments thereto may be accessed at <FONT STYLE="font-family:Times New Roman" COLOR="#0000ff"><U>www.sec.gov</U></FONT><FONT STYLE="font-family:Times New Roman"> or at the public reference facility maintained by the SEC at its
public reference room at 100 F. Street, N.E., Room 1580, Washington, DC 20549 and copies of all or any part thereof may be obtained from that office upon payment of the prescribed fees.&nbsp;You may call the SEC at 1-800-SEC-0330 for further
information on the operation of the public reference room and you can request copies of the documents upon payment of a duplicating fee, by writing to the SEC. </FONT></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 10 - </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SUPERVISION AND REGULATION </B></P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company and our subsidiaries are subject to extensive regulation under federal and state laws. The regulatory framework is intended
primarily for the protection of depositors, federal deposit insurance funds and the banking system as a whole and not for the protection of shareholders and creditors. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We are also subject to the disclosure and regulatory requirements of the Securities Act of 1933, as amended, and the Securities Exchange Act of
1934, as amended, as administered by the Securities and Exchange Commission (&#147;SEC&#148;). Our common stock is listed on the NASDAQ Global Select Market (&#147;NASDAQ&#148;) under the trading symbol &#147;FISI&#148; and is subject to NASDAQ
rules for listed companies. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Significant elements of the laws and regulations applicable to the Company and its subsidiaries are described
below. The description is qualified in its entirety by reference to the full text of the statutes, regulations and policies that are described. Also, such statutes, regulations and policies are continually under review by Congress, state
legislatures, and federal and state regulatory agencies. A change in statutes, regulations or regulatory policies applicable to the Company and its subsidiaries could have a material effect on the business, financial condition and results of
operations of the Company. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Holding Company Regulation</B>.&nbsp;&nbsp;&nbsp;We are subject to comprehensive regulation by the Board of
Governors of the Federal Reserve System, frequently referred to as the Federal Reserve Board (&#147;FRB&#148;), under the Bank Holding Company Act (the &#147;BHC Act&#148;), as amended by, among other laws, the Gramm-Leach-Bliley Act of 1999 (the
&#147;Gramm-Leach-Bliley Act&#148;), and by the Dodd-Frank Wall Street Reform and Consumer Protection Act (the &#147;Dodd-Frank Act&#148;), enacted in 2010. We are registered with the Federal Reserve as a bank holding company (&#147;BHC&#148;) and
have elected to be treated as a financial holding company under the BHC Act. We must file reports with the FRB and such additional information as the FRB may require, and our holding company and non-banking affiliates are subject to examination by
the FRB.&nbsp;Under FRB policy, a bank holding company must serve as a source of strength for its subsidiary banks. Under this policy, the FRB may require, and has required in the past, a holding company to contribute additional capital to an
undercapitalized subsidiary bank. The BHC Act provides that a bank holding company must obtain FRB approval before: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Acquiring, directly or indirectly, ownership or control of any voting shares of another bank or bank holding company if, after such acquisition, it
would own or control more than 5% of such shares (unless it already owns or controls the majority of such shares); </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Acquiring all or substantially all of the assets of another bank or bank holding company, or </P></TD></TR></TABLE>
<P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Merging or consolidating with another bank holding company. </P></TD></TR></TABLE>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The BHC Act generally prohibits a bank holding company from acquiring direct or indirect ownership or control of more than 5% of the voting
shares of any company which is not a bank or bank holding company, or from engaging directly or indirectly in activities other than those of banking, managing or controlling banks, or providing services for its subsidiaries. The principal exceptions
to these prohibitions involve certain non-bank activities which, by statute or by FRB regulation or order, have been identified as activities closely related to the business of banking or managing or controlling banks. The list of activities
permitted by the FRB includes, among other things: lending; operating a savings institution, mortgage company, finance company, credit card company or factoring company; performing certain data processing operations; providing certain investment and
financial advice; underwriting and acting as an insurance agent for certain types of credit related insurance; leasing property on a full-payout, non-operating basis; selling money orders, travelers&#146; checks and United States Savings Bonds; real
estate and personal property appraising; providing tax planning and preparation services; and, subject to certain limitations, providing securities brokerage services for customers. These activities may also be affected by federal legislation. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Gramm-Leach-Bliley Act amended portions of the BHC Act to authorize bank holding companies, such as us, directly or through non-bank
subsidiaries to engage in securities, insurance and other activities that are financial in nature or incidental to a financial activity. In order to undertake these activities, a bank holding company must become a &#147;financial holding
company&#148; by submitting to the appropriate Federal Reserve Bank a declaration that the company elects to be a financial holding company and a certification that all of the depository institutions controlled by the company are well capitalized
and well managed. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>The Dodd-Frank Act.</B><B>&nbsp;&nbsp;</B>The Dodd-Frank Wall Street Reform and Consumer Protection Act (the
&#147;Dodd-Frank Act&#148;), which was signed into law in 2010, significantly changes the regulation of financial institutions and the financial services industry. The Dodd-Frank Act includes provisions affecting large and small financial
institutions alike, including several provisions that will profoundly affect how community banks, thrifts, and small bank and thrift holding companies will be regulated in the future. Among other things, these provisions abolish the Office of Thrift
Supervision and transfer its functions to the other federal banking agencies, relax rules regarding interstate branching, allow financial institutions to pay interest on business checking accounts, and impose new capital requirements on bank and
thrift holding companies. The Dodd-Frank Act also includes several corporate governance provisions that apply to all public companies, not just financial institutions. These include provisions mandating certain disclosures regarding executive
compensation and provisions addressing proxy access by shareholders. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 11 - </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Dodd-Frank Act contains numerous other provisions affecting financial institutions of all
types, including some that may affect our business in substantial and unpredictable ways. We have incurred higher operating costs in complying with the Dodd -Frank Act, and we expect that these higher costs will continue for the foreseeable future.
Our management continues to monitor the ongoing implementation of the Dodd-Frank Act and as new regulations are issued, will assess their effect on our business, financial condition, and results of operations.&nbsp;See Item 1A, Risk Factors, for a
more extensive discussion of this topic. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>The Volcker Rule.</B><B>&nbsp;&nbsp;</B>The Dodd-Frank act prohibits banks and their
affiliates from engaging in proprietary trading and from investing and sponsoring hedge funds and private equity funds. The statutory provision implementing these restrictions is commonly called the &#147;Volcker Rule.&#148; To implement the Volcker
Rule, federal regulators issued final rules in December&nbsp;2013 that were to become effective April&nbsp;2014. The Federal Reserve subsequently issued an order extending the period that institutions have to conform their activities to the
requirements of the Volcker Rule to July&nbsp;21, 2015, and extended the compliance date for banks to conform their investments in certain &#147;legacy covered funds&#148; until July&nbsp;21, 2016. These final rules exempt the Bank, as a bank with
less than $10 billion in total consolidated assets that does not engage in any covered activities other than trading in certain government, agency, state or municipal obligations, from any significant compliance obligations under the Volcker Rule;
therefore, the Volcker rule will not have a material effect on our business, financial condition and results of operations. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Depository
Institution Regulation.</B><B>&nbsp;&nbsp;&nbsp;</B>The Bank is subject to regulation by the FDIC.&nbsp;This regulatory structure includes: </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Real estate lending standards, which provide guidelines concerning loan-to-value ratios for various types of real estate loans;
</P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Risk-based capital rules, including accounting for interest rate risk, concentration of credit risk and the risks posed by non-traditional
activities; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Rules requiring depository institutions to develop and implement internal procedures to evaluate and control credit and settlement exposure to
their correspondent banks; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Rules restricting types and amounts of equity investments; and </P></TD></TR></TABLE>
<P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Rules addressing various safety and soundness issues, including operations and managerial standards, standards for asset quality, earnings and
compensation standards. </P></TD></TR></TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Capital Requirements.</B><B>&nbsp;&nbsp;&nbsp;&nbsp;</B>The Company and the Bank are each
required to comply with applicable capital adequacy standards established by the Federal Reserve.&nbsp;The current risk-based capital standards applicable to the Company and the Bank, parts of which are currently in the process of being phased in,
are based on the December&nbsp;2010 final capital framework for strengthening international capital standards, known as Basel III, of the Basel Committee. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Prior to January&nbsp;1, 2015, the risk-based capital standards applicable to the Company and the Bank (the &#147;general risk-based capital
rules&#148;) were based on the 1988 Capital Accord, known as Basel I, of the Basel Committee. In July&nbsp;2013, the federal bank regulators approved the final Basel III Rules implementing the Basel III framework as well as certain provisions of the
Dodd-Frank Act. The Basel III Rules substantially revised the risk-based capital requirements applicable to BHCs and their depository institution subsidiaries, including the Company and the Bank, as compared to the general risk-based capital rules.
The Basel III Rules became effective for the Company and the Bank on January&nbsp;1, 2015 (subject to a phase-in period for certain provisions). </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Basel III Rules, among other things, (i) introduce a new capital measure called CET1, (ii) specify that Tier 1 capital consists of CET1 and
&#147;Additional Tier 1 capital&#148; instruments meeting certain revised requirements, (iii) define CET1 narrowly by requiring that most deductions/adjustments to regulatory capital measures be made to CET1 and not to the other components of
capital, and (iv)&nbsp;expand the scope of the deductions/adjustments to capital as compared to existing regulations. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Under the Basel III
Rules, the minimum capital ratios effective as of January&nbsp;1, 2015 are: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">4.5% CET1 to risk-weighted assets; </P></TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">6.0% Tier 1 capital (that is, CET1 plus Additional Tier 1 capital) to risk-weighted assets; and </P></TD></TR></TABLE>
<P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">8.0% Total capital (that is, Tier 1 capital plus Tier 2 capital) to risk-weighted assets. </P></TD></TR></TABLE>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Basel III Rules also introduce a new capital conservation buffer designed to absorb losses during periods of economic stress. The capital
conservation buffer is an amount in addition to these minimum risk-based capital ratio requirements.&nbsp;The Basel III Rules also provide for a countercyclical capital buffer applicable only to certain covered institutions. We do not expect the
countercyclical capital buffer to be applicable to the Company or the Bank. Banking institutions that do not hold capital above the required minimum levels, including the capital conservation buffer, will face constraints on dividends and
compensation based on the amount of the shortfall. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">When fully phased in on January&nbsp;1, 2019, the Basel III Rules will require the
Company and the Bank to maintain an additional capital conservation buffer of 2.5% of risk-weighted assets, effectively resulting in minimum ratios of (i) CET1 to risk-weighted assets of at least 7%, (ii) Tier 1 capital to risk-weighted assets of at
least 8.5%, and (iii) Total capital to risk-weighted assets of at least 10.5%. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 12 - </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Basel III Rules also provide for a number of deductions from and adjustments to CET1. These
include, for example, the requirement that MSRs, certain deferred tax assets and significant investments in non-consolidated financial entities be deducted from CET1 to the extent that any one such category exceeds 10% of CET1 or all such items, in
the aggregate, exceed 15% of CET1. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Implementation of the deductions and other adjustments to CET1 began on January&nbsp;1, 2015 and will
be phased in over a 4-year period (beginning at 40% on January&nbsp;1, 2015 and an additional 20% per year thereafter). The implementation of the capital conservation buffer began on January&nbsp;1, 2016 at the 0.625% level and will be phased in
over a 4-year period (increasing by that amount on each subsequent January&nbsp;1, until it reaches 2.5% on January&nbsp;1, 2019). </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The
Basel III Rules prescribe a new standardized approach for risk weightings that expands the risk-weighting categories from the four Basel I-derived categories (0%, 20%, 50% and 100%) to a much larger and more risk-sensitive number of categories,
depending on the nature of the assets, generally ranging from 0% for U.S. government and agency securities, to 600% for certain equity exposures, and resulting in higher risk weights for a variety of asset classes. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Leverage Requirements.</B><B>&nbsp;&nbsp;&nbsp;</B>BHCs and banks are also required to comply with minimum leverage ratio requirements.
These requirements provide for a minimum ratio of Tier 1 capital to total consolidated quarterly average assets (as defined for regulatory purposes), net of the loan loss reserve, goodwill and certain other intangible assets (the &#147;leverage
ratio&#148;), of 4.0%. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Liquidity Regulation.</B>&nbsp;&nbsp;&nbsp;&nbsp;During 2014, the U.S. banking agencies adopted final rules
implementing one of the two new standards provided for in the Basel III liquidity framework - its liquidity coverage ratio (&#147;LCR&#148;), which is designed to ensure that a bank maintains an adequate level of unencumbered high quality liquid
assets equal to the bank&#146;s expected net cash outflows for a thirty-day time horizon under an acute liquidity stress scenario. The rules as adopted apply in their most comprehensive form only to advanced approaches bank holding companies and
depository institution subsidiaries of such bank holding companies and, in a modified form, to banking organizations having $50 billion or more in total consolidated assets. Accordingly they do not apply to either the Company or the Bank. As a
result, we do not manage our balance sheet to be compliant with these rules. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Basel III framework also included a second standard,
referred to as the net stable funding ratio (&#147;NSFR&#148;), which is designed to promote more medium-and long-term funding of the assets and activities of banks over a one-year time horizon. Although the Basel Committee finalized its formulation
of the NSFR in 2014, the U.S. banking agencies have not yet proposed an NSFR for application to U.S. banking organizations or addressed the scope of banking organizations to which it will apply. The Basel Committee&#146;s final NSFR document states
that the NSFR applies to internationally active banks, as did its final LCR document as to that ratio. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Prompt Corrective
Action.</B><B>&nbsp;&nbsp;&nbsp;&nbsp;</B>The Federal Deposit Insurance Act, as amended (&#147;FDIA&#148;), requires among other things, the federal banking agencies to take &#147;prompt corrective action&#148; in respect of depository institutions
that do not meet minimum capital requirements. The FDIA establishes five capital categories for FDIC-insured banks: well capitalized, adequately capitalized, <FONT STYLE="white-space:nowrap">under-capitalized,</FONT> significantly under-capitalized
and critically under-capitalized. Under rules in effect through December&nbsp;31, 2014, a depository institution is deemed to be &#147;well-capitalized&#148; if the institution has a total risk-based capital ratio of 10.0% or greater, a Tier&nbsp;1
risk-based capital ratio of 6.0% or greater, and a leverage ratio of 5.0% or greater, and the institution is not subject to an order, written agreement, capital directive or prompt corrective action directive to meet and maintain a specific level
for any capital measure. As of January&nbsp;1, 2015, the standards for &#147;well-capitalized&#148; status under prompt corrective action regulations changed by, among other things, introducing a CET 1 ratio requirement of 6.5% and increasing the
Tier 1 risk-based capital ratio requirement from 6.0% to 8.0%. The total risk-based capital ratio and Tier 1 leverage ratio requirements remain at 10.0% and 5.0%, respectively. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The FDIA imposes progressively more restrictive constraints on operations, management and capital distributions, depending on the capital
category in which an institution is classified.&nbsp;The current capital rule established by the federal bank regulators, discussed above under &#147;Capital Requirements,&#148; amend the prompt corrective action requirements in certain respects,
including adding a CET1 risk-based capital ratio as one of the metrics (with a minimum 6.5% ratio for well-capitalized status) and increasing the Tier 1 risk-based capital ratio required for each of the five capital categories, including an increase
from 6.0% to 8.0% to be well-capitalized. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">For further information regarding the capital ratios and leverage ratio of the Company and the
Bank see the section titled &#147;Capital Resources&#148; in Part II, Item 7, &#147;Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations,&#148; included in this Annual Report on Form 10-K. The current
requirements and the actual levels for the Company and the Bank are detailed in Note&nbsp;11, Regulatory Matters, of the notes to consolidated financial statements, included in this Annual Report on Form&nbsp;10-K. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Dividends. </B>The FRB policy is that a bank holding company should pay cash dividends only to the extent that its net income for the past
year is sufficient to cover both the cash dividends and a rate of earnings retention that is consistent with the holding company&#146;s capital needs, asset quality and overall financial condition, and that it is inappropriate for a bank holding
company experiencing serious financial problems to borrow funds to pay dividends. Furthermore, a bank that is classified under the prompt corrective action regulations as &#147;undercapitalized&#148; will be prohibited from paying any dividends.
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 13 - </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The primary source of cash for dividends we pay is the dividends we receive from the Bank. The
Bank is subject to various regulatory policies and requirements relating to the payment of dividends, including requirements to maintain capital above regulatory minimums. Approval of the New York State Department of Financial Services is required
prior to paying a dividend if the dividend declared by the Bank exceeds the sum of the Bank&#146;s net profits for that year and its retained net profits for the preceding two calendar years. At January&nbsp;1, 2016, the Bank could declare dividends
of $25.6 million from retained net profits of the preceding two years. The bank declared dividends of $16.0 million in 2015 and $20.0 million in 2014. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Federal Deposit Insurance Assessments.</B><B>&nbsp;&nbsp;&nbsp;&nbsp;</B>The Bank is a member of the FDIC and pays an insurance premium to
the FDIC based upon its assessable assets on a quarterly basis.&nbsp;Deposits are insured up to applicable limits by the FDIC and such insurance is backed by the full faith and credit of the United States Government. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Under the Dodd-Frank Act, a permanent increase in deposit insurance was authorized to $250,000. The coverage limit is per depositor, per
insured depository institution for each account ownership category. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Dodd-Frank Act also set a new minimum Deposit Insurance Fund
(&#147;DIF&#148;) reserve ratio at 1.35% of estimated insured deposits. The FDIC is required to attain this ratio by September&nbsp;30, 2020. The Dodd-Frank Act also required the FDIC to define the deposit insurance assessment base for an insured
depository institution as an amount equal to the institution&#146;s average consolidated total assets during the assessment period minus average tangible equity. Premiums for the Bank are now calculated based upon the average balance of total assets
minus average tangible equity as of the close of business for each day during the calendar quarter. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The FDIC has the flexibility to adopt
actual rates that are higher or lower than the total base assessment rates adopted without notice and comment, if certain conditions are met. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">DIF-insured institutions pay a Financing Corporation (&#147;FICO&#148;) assessment in order to fund the interest on bonds issued in the 1980s
in connection with the failures in the thrift industry. For the fourth quarter of 2015, the FICO assessment was equal to 0.58 basis points computed on assets as required by the Dodd-Frank Act. These assessments will continue until the bonds mature
in 2019. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The FDIC is authorized to conduct examinations of and require reporting by FDIC-insured institutions. It is also authorized to
terminate a depository bank&#146;s deposit insurance upon a finding by the FDIC that the bank&#146;s financial condition is unsafe or unsound or that the institution has engaged in unsafe or unsound practices or has violated any applicable rule,
regulation, order or condition enacted or imposed by the bank&#146;s regulatory agency. The termination of deposit insurance for the Bank would have a material adverse effect on our earnings, operations and financial condition. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Consumer Laws and Regulations.</B><B><I>&nbsp;&nbsp;&nbsp;&nbsp;</I></B>In addition to the laws and regulations discussed herein, the Bank
is also subject to certain consumer laws and regulations that are designed to protect consumers in transactions with banks.&nbsp;While the list set forth herein is not exhaustive, these laws and regulations include, among others, the Fair Credit
Reporting Act, the Truth in Lending Act, the Truth in Savings Act, the Electronic Funds Transfer Act, the Expedited Funds Availability Act, the Equal Credit Opportunity Act, the Fair Housing Act, the Home Mortgage Disclosure Act, the Real Estate
Settlement Procedures Act, the Fair Debt Collection Practices Act, the Service Members Civil Relief Act and these laws&#146; respective state-law counterparts, as well as state usury laws and laws regarding unfair and deceptive acts and
practices.&nbsp;These and other federal laws, among other things, require disclosures of the cost of credit and terms of deposit accounts, provide substantive consumer rights, prohibit discrimination in credit transactions, regulate the use of
credit report information, provide financial privacy protections, prohibit unfair, deceptive and abusive practices, restrict the Company&#146;s ability to raise interest rates and subject the Company to substantial regulatory oversight. Violations
of applicable consumer protection laws can result in significant potential liability from litigation brought by customers, including actual damages, restitution and attorneys&#146; fees. Federal bank regulators, state attorneys general and state and
local consumer protection agencies may also seek to enforce consumer protection requirements and obtain these and other remedies, including regulatory sanctions, customer rescission rights, action by the state and local attorneys general in each
jurisdiction in which we operate and civil money penalties. Failure to comply with consumer protection requirements may also result in our failure to obtain any required bank regulatory approval for merger or acquisition transactions the Company may
wish to pursue or our prohibition from engaging in such transactions even if approval is not required. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Dodd-Frank Act centralized
responsibility for consumer financial protection by creating a new agency, the Consumer Financial Protection Bureau (&#147;CFPB&#148;), and giving it responsibility for implementing, examining and enforcing compliance with federal consumer
protection laws. The CFPB focuses on: </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Risks to consumers and compliance with the federal consumer financial laws, when it evaluates the policies and practices of a financial
institution. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">The markets in which firms operate and risks to consumers posed by activities in those markets. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Depository institutions that offer a wide variety of consumer financial products and services; depository institutions with a more specialized
focus. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Non-depository companies that offer one or more consumer financial products or services. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 14 - </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The CFPB has broad rulemaking authority for a wide range of consumer financial laws that apply to
all banks, including, among other things, the authority to prohibit &#147;unfair, deceptive or abusive&#148; acts and practices. Abusive acts or practices are defined as those that materially interfere with a consumer&#146;s ability to understand a
term or condition of a consumer financial product or service or take unreasonable advantage of a consumer&#146;s (i) lack of financial savvy, (ii) inability to protect himself in the selection or use of consumer financial products or services, or
(iii) reasonable reliance on a covered entity to act in the consumer&#146;s interests. The CFPB can issue cease-and-desist orders against banks and other entities that violate consumer financial laws. The CFPB may also institute a civil action
against an entity in violation of federal consumer financial law in order to impose a civil penalty or injunction. The CFPB has examination and enforcement authority over all banks with more than $10 billion in assets, as well as their affiliates.
</P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Banking regulators take into account compliance with consumer protection laws when considering approval of a proposed transaction. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Community Reinvestment Act. </B>Under the Community Reinvestment Act, every FDIC-insured institution is obligated, consistent with safe and
sound banking practices, to help meet the credit needs of its entire community, including low and moderate income neighborhoods. The Community Reinvestment Act requires the appropriate federal banking regulator, in connection with the examination of
an insured institution, to assess the institution&#146;s record of meeting the credit needs of its community and to consider this record in its evaluation of certain applications, such as a merger or the establishment of a branch. An unsatisfactory
rating may be used as the basis for the denial of an application and will prevent a bank holding company of the institution from making an election to become a financial holding company. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">During January&nbsp;2015 we signed an Assurance of Discontinuance with the NYS Attorney General&#146;s office related to an investigation into
lending practices for minority residents within the City of Rochester. As part of the agreement, we paid NYS $150 thousand to cover its costs. An additional $750 thousand in dedicated funds spread over three-years has been earmarked for ongoing
business efforts consistent with the Bank&#146;s growth initiatives in the Rochester market, and throughout Monroe County, including efforts focused on marketing to minority communities, as well as lending discounts and/or subsidies.<B> </B> </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Examinations in 2011 by the New York Department of Financial Services and the Federal Reserve Bank of New York under the federal Community
Reinvestment Act rated Five Star as &#147;outstanding&#148;. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Privacy Rules.</B><B>&nbsp;&nbsp;&nbsp;</B>Federal banking regulators, as
required under the Gramm-Leach-Bliley Act, have adopted rules limiting the ability of banks and other financial institutions to disclose nonpublic information about consumers to non-affiliated third parties. The rules require disclosure of privacy
policies to consumers and, in some circumstances, allow consumers to prevent disclosure of certain personal information to non-affiliated third parties. The privacy provisions of the Gramm-Leach-Bliley Act affect how consumer information is
transmitted through diversified financial services companies and conveyed to outside vendors. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Anti-Money Laundering and the USA
Patriot Act.</B><B>&nbsp;&nbsp;</B>A major focus of governmental policy on financial institutions in recent years has been aimed at combating money laundering and terrorist financing. The USA PATRIOT Act of 2001, or the USA Patriot Act,
substantially broadened the scope of United States anti-money laundering laws and regulations by imposing significant new compliance and due diligence obligations, creating new crimes and penalties and expanding the extra-territorial jurisdiction of
the United States. Financial institutions are also prohibited from entering into specified financial transactions and account relationships and must use enhanced due diligence procedures in their dealings with certain types of high-risk customers
and implement a written customer identification program. Financial institutions must take certain steps to assist government agencies in detecting and preventing money laundering and report certain types of suspicious transactions. Regulatory
authorities routinely examine financial institutions for compliance with these obligations, and failure of a financial institution to maintain and implement adequate programs to combat money laundering and terrorist financing, or to comply with all
of the relevant laws or regulations, could have serious legal and reputational consequences for the institution, including causing applicable bank regulatory authorities not to approve merger or acquisition transactions when regulatory approval is
required or to prohibit such transactions even if approval is not required.&nbsp;Regulatory authorities have imposed cease and desist orders and civil money penalties against institutions found to be violating these obligations. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Interstate Branching.</B><B>&nbsp;&nbsp;&nbsp;</B>Pursuant to the Dodd-Frank Act, national and state-chartered banks may open an initial
branch in a state other than its home state (e.g., a host state) by establishing a de novo branch at any location in such host state at which a bank chartered in such host state could establish a branch.&nbsp;Applications to establish such branches
must still be filed with the appropriate primary federal regulator. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Transactions with Affiliates.</B><B>&nbsp;&nbsp;&nbsp;</B>FII,
FSB, Five Star REIT, Inc. and SDN are affiliates within the meaning of the Federal Reserve Act. The Federal Reserve Act imposes limitations on a bank with respect to extensions of credit to, investments in, and certain other transactions with, its
parent bank holding company and the holding company&#146;s other subsidiaries. Furthermore, bank loans and extensions of credit to affiliates also are subject to various collateral requirements. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 15 - </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Various governmental requirements, including Sections 23A and 23B of the Federal Reserve Act and
the FRB&#146;s Regulation W, limit borrowings by FII and its nonbank subsidiary from FSB, and also limit various other transactions between FII and its nonbank subsidiary, on the one hand, and FSB, on the other. For example, Section&nbsp;23A of the
Federal Reserve Act limits the aggregate outstanding amount of any insured depository institution&#146;s loans and other &#147;covered transactions&#148; with any particular nonbank affiliate to no more than 10% of the institution&#146;s total
capital and limits the aggregate outstanding amount of any insured depository institution&#146;s covered transactions with all of its nonbank affiliates to no more than 20% of its total capital. &#147;Covered transactions&#148; are defined by
statute to include a loan or extension of credit, as well as a purchase of securities issued by an affiliate, a purchase of assets (unless otherwise exempted by the FRB) from the affiliate, the acceptance of securities issued by the affiliate as
collateral for a loan, and the issuance of a guarantee, acceptance or letter of credit on behalf of an affiliate. Section&nbsp;23A of the Federal Reserve Act also generally requires that an insured depository institution&#146;s loans to its nonbank
affiliates be, at a minimum, 100% secured, and Section&nbsp;23B of the Federal Reserve Act generally requires that an insured depository institution&#146;s transactions with its nonbank affiliates be on terms and under circumstances that are
substantially the same or at least as favorable as those prevailing for comparable transactions with non-affiliates. The Dodd-Frank Act significantly expanded the coverage and scope of the limitations on affiliate transactions within a banking
organization. For example, commencing in July&nbsp;2012, the Dodd-Frank Act applies the 10% of capital limit on covered transactions to financial subsidiaries and amends the definition of &#147;covered transaction&#148; to include (i) securities
borrowing or lending transactions with an affiliate, and (ii) all derivatives transactions with an affiliate, to the extent that either causes a bank or its affiliate to have credit exposure to the securities borrowing/lending or derivative
counterparty. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Office of Foreign Assets Control Regulation.</B><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>The U.S. Treasury Department&#146;s
Office of Foreign Assets Control, or OFAC, administers and enforces economic and trade sanctions against targeted foreign countries and regimes, under authority of various laws, including designated foreign countries, nationals and others. OFAC
publishes lists of specially designated targets and countries. The Company is responsible for, among other things, blocking accounts of, and transactions with, such targets and countries, prohibiting unlicensed trade and financial transactions with
them and reporting blocked transactions after their occurrence. Failure to comply with these sanctions could have serious legal and reputational consequences, including causing applicable bank regulatory authorities not to approve merger or
acquisition transactions when regulatory approval is required or to prohibit such transactions even if approval is not required. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Insurance Regulation.</B><B>&nbsp;&nbsp;</B>SDN is required to be licensed or receive regulatory approval in nearly every state in which it
does business. In addition, most jurisdictions require individuals who engage in brokerage and certain other insurance service activities to be personally licensed. These licensing laws and regulations vary from jurisdiction to jurisdiction. In most
jurisdictions, licensing laws and regulations generally grant broad discretion to supervisory authorities to adopt and amend regulations and to supervise regulated activities. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Incentive Compensation.</B>&nbsp;&nbsp;&nbsp;Our compensation practices are subject to oversight by the Federal Reserve.&nbsp;In
June&nbsp;2010, the Federal banking agencies issued comprehensive final guidance on incentive compensation policies intended to ensure that the incentive compensation policies of banking organizations do not undermine the safety and soundness of
such organizations by encouraging excessive risk-taking. The guidance, which covers all employees that have the ability to materially affect the risk profile of an organization, either individually or as part of a group, is based upon the key
principles that a banking organization&#146;s incentive compensation arrangements should (i) provide incentives that do not encourage risk-taking beyond the organization&#146;s ability to effectively identify and manage risks, (ii) be compatible
with effective internal controls and risk management, and (iii) be supported by strong corporate governance, including active and effective oversight by the organization&#146;s board of directors. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Dodd-Frank requires the Federal banking agencies to establish joint regulations or guidelines prohibiting incentive-based payment arrangements
at specified regulated entities having at least $1 billion in total consolidated assets (which would include the Company and the Bank) that encourage inappropriate risks by providing an executive officer, employee, director or principal shareholder
with excessive compensation, fees or benefits or that could lead to material financial loss to the entity. In addition, the agencies must establish regulations or guidelines requiring enhanced disclosure to regulators of incentive-based compensation
arrangements. The initial version of these regulations was proposed by agencies in early 2011 but the regulations have not yet been finalized. The proposed regulations include the three key principles from the June&nbsp;2010 regulatory guidance
discussed above. If the regulations are adopted in the form initially proposed, they will impose limitations on the manner in which we may structure compensation for our executives. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Federal Reserve Board will review, as part of the regular, risk-focused examination process, the incentive compensation arrangements of
banking organizations, such as the Company, that are not &#147;large, complex banking organizations.&#148; These reviews will be tailored to each organization based on the scope and complexity of the organization&#146;s activities and the prevalence
of incentive compensation arrangements. The findings of the supervisory initiatives will be included in reports of examination. Deficiencies will be incorporated into the organization&#146;s supervisory ratings, which can affect the
organization&#146;s ability to make acquisitions and take other actions. Enforcement actions may be taken against a banking organization if its incentive compensation arrangements, or related risk-management control or governance processes, pose a
risk to the organization&#146;s safety and soundness and the organization is not taking prompt and effective measures to correct the deficiencies. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Other Future Legislation and Changes in Regulations. </B>In addition to the specific proposals
described above, from time to time, various legislative and regulatory initiatives are introduced in Congress and state legislatures, as well as by regulatory agencies.&nbsp;Such initiatives may include proposals to expand or contract the powers of
bank holding companies and depository institutions or proposals to substantially change the financial institution regulatory system. Such legislation could change banking statutes and/or our operating environment in substantial and unpredictable
ways. If enacted, such legislation could increase or decrease the cost of doing business, limit or expand permissible activities or affect the competitive balance among banks, savings associations, credit unions, and other financial
institutions.&nbsp;We cannot predict whether any such legislation will be enacted, and, if enacted, the effect that it, or any implementing regulations, would have on our financial condition or results of operations.&nbsp;A change in statutes,
regulations or regulatory policies applicable to us or our subsidiaries could have a material effect on our business. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Impact of Inflation and Changing
Prices </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our financial statements included herein have been prepared in accordance with GAAP, which requires us to measure financial
position and operating results principally using historic dollars.&nbsp;Changes in the relative value of money due to inflation or recession are generally not considered.&nbsp;The primary effect of inflation on our operations is reflected in
increased operating costs.&nbsp;We believe changes in interest rates affect the financial condition of a financial institution to a far greater degree than changes in the inflation rate.&nbsp;While interest rates are generally influenced by changes
in the inflation rate, they do not necessarily change at the same rate or in the same magnitude.&nbsp;Interest rates are sensitive to many factors that are beyond our control, including changes in the expected rate of inflation, general and local
economic conditions and the monetary and fiscal policies of the United States government, its agencies and various other governmental regulatory authorities. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Regulatory and Economic Policies </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our
business and earnings are affected by general and local economic conditions and by the monetary and fiscal policies of the U.S. government, its agencies and various other governmental regulatory authorities.&nbsp;The FRB regulates the supply of
money in order to influence general economic conditions.&nbsp;Among the instruments of monetary policy available to the FRB are (i) conducting open market operations in U.S. government obligations, (ii) changing the discount rate on financial
institution borrowings, (iii) imposing or changing reserve requirements against financial institution deposits, and (iv) restricting certain borrowings and imposing or changing reserve requirements against certain borrowings by financial
institutions and their affiliates.&nbsp;These methods are used in varying degrees and combinations to directly affect the availability of bank loans and deposits, as well as the interest rates charged on loans and paid on deposits.&nbsp;For that
reason, the policies of the FRB could have a material effect on our earnings. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>EMPLOYEES </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">At December&nbsp;31, 2015, we had 691 employees, none of whom are subject to a collective bargaining agreement.&nbsp;Management believes our
relations with employees are good. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 17 - </P>


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 <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;<A NAME="toc120623_3"></A>ITEM 1A.&nbsp;&nbsp;&nbsp;&nbsp;RISK FACTORS </B></P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">An investment in our common stock
is subject to risks inherent to our business. The material risks and uncertainties that management believes could affect us are described below. Before making an investment decision, you should carefully consider the risks and uncertainties
described below, together with all of the other information included or incorporated by reference herein. This Annual Report on Form 10-K is qualified in its entirety by these risk factors.&nbsp;Further, to the extent that any of the information
contained in this Annual Report on Form 10-K constitutes forward-looking statements, the risk factors set forth below also are cautionary statements identifying important factors that could cause our actual results to differ materially from those
expressed in any forward-looking statements made by or on behalf of us. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">If any of the following risks actually occur, our financial
condition and results of operations could be materially and adversely affected. If this were to happen, the value of our common stock could decline significantly, and you could lose all or part of your investment. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>If we experience greater credit losses than anticipated, earnings may be adversely impacted. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">As a lender, we are exposed to the risk that customers will be unable to repay their loans according to their terms and that any collateral
securing the payment of their loans may not be sufficient to assure repayment.&nbsp;Credit losses are inherent in the business of making loans and could have a material adverse impact on our results of operations. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We make various assumptions and judgments about the collectability of our loan portfolio, including the creditworthiness of our borrowers and
the value of the real estate and other assets serving as collateral, and we provide an allowance for estimated loan losses based on a number of factors.&nbsp;We believe that the allowance for loan losses is adequate.&nbsp;However, if our assumptions
or judgments are wrong, the allowance for loan losses may not be sufficient to cover the actual credit losses. We may have to increase the allowance in the future in response to the request of one of our primary banking regulators, to adjust for
changing conditions and assumptions, or as a result of any deterioration in the quality of our loan portfolio.&nbsp;The actual amount of future provisions for credit losses may vary from the amount of past provisions. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Our tax strategies and the value of our deferred tax assets could adversely affect our operating results and regulatory capital ratios.
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our tax strategies are dependent upon our ability to generate taxable income in future periods. Our tax strategies will be less
effective in the event we fail to generate taxable income. Our deferred tax assets are subject to an evaluation of whether it is more likely than not that they will be realized for financial statement purposes. In making this determination, we
consider all positive and negative evidence available including the impact of recent operating results as well as potential carryback of tax to prior years&#146; taxable income, reversals of existing taxable temporary differences, tax planning
strategies and projected earnings within the statutory tax loss carryover period. If we were to conclude that a significant portion of our deferred tax assets were not more likely than not to be realized, the required valuation allowance could
adversely affect our financial position, results of operations and regulatory capital ratios. In addition, the value of our deferred tax assets could be adversely affected by a change in statutory tax rates. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Geographic concentration may unfavorably impact our operations. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Substantially all of our business and operations are concentrated in the Western and Central New York region.&nbsp;As a result of this
geographic concentration, our results depend largely on economic conditions in these and surrounding areas.&nbsp;Deterioration in economic conditions in our market could: </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">increase loan delinquencies; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">increase problem assets and foreclosures; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">increase claims and lawsuits; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">decrease the demand for our products and services; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">decrease the value of collateral for loans, especially real estate, in turn reducing customers&#146; borrowing power, the value of assets associated with non-performing loans and collateral coverage. </TD></TR></TABLE>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Generally, we make loans to small to mid-sized businesses whose success depends on the regional economy. These businesses generally have fewer
financial resources in terms of capital or borrowing capacity than larger entities. Adverse economic and business conditions in our market areas could reduce our growth rate, affect our borrowers&#146; ability to repay their loans and, consequently,
adversely affect our business, financial condition and performance. For example, we place substantial reliance on real estate as collateral for our loan portfolio. A sharp downturn in real estate values in our market area could leave many of these
loans inadequately collateralized. If we are required to liquidate the collateral securing a loan to satisfy the debt during a period of reduced real estate values, the impact on our results of operations could be materially adverse. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>We depend on the accuracy and completeness of information about or from customers and
counterparties. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In deciding whether to extend credit or enter into other transactions, we may rely on information furnished by or on
behalf of customers and counterparties, including financial statements, credit reports, and other financial information. We may also rely on representations of those customers, counterparties, or other third parties, such as independent auditors, as
to the accuracy and completeness of that information. Reliance on inaccurate or misleading financial statements, credit reports, or other financial information could cause us to enter into unfavorable transactions, which could have a material
adverse effect on our financial condition and results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our insurance brokerage subsidiary, SDN, is subject to risk related to the
insurance industry. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">SDN derives the bulk of its revenue from commissions and fees earned from brokerage services. SDN does not
determine the insurance premiums on which its commissions are based. Insurance premiums are cyclical in nature and may vary widely based on market conditions. As a result, insurance brokerage revenues and profitability can be volatile. As insurance
companies outsource the production of premium revenue to non-affiliated brokers or agents such as SDN, those insurance companies may seek to further minimize their expenses by reducing the commission rates payable to insurance agents or brokers,
which could adversely affect SDN&#146;s revenues. In addition, there have been and may continue to be various trends in the insurance industry toward alternative insurance markets including, among other things, increased use of self-insurance,
captives, and risk retention groups. While SDN has been able to participate in certain of these activities and earn fees for such services, there can be no assurance that we will realize revenues and profitability as favorable as those realized from
our traditional brokerage activities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>We are subject to environmental liability risk associated with our lending activities. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">A significant portion of our loan portfolio is secured by real property. During the ordinary course of business, we may foreclose on and take
title to properties securing certain loans. There is a risk that hazardous or toxic substances could be found on properties we have foreclosed upon. If hazardous or toxic substances are found, we may be liable for remediation costs, as well as for
personal injury and property damage regardless of whether we knew, had reason to know of, or caused the release of such substance. Environmental laws may require us to incur substantial expenses and may materially reduce the affected property&#146;s
value or limit our ability to use or sell the affected property. In addition, future laws or more stringent interpretations or enforcement policies with respect to existing laws may increase our exposure to environmental liability. The remediation
costs and any other financial liabilities associated with an environmental hazard could have a material adverse effect on our financial condition and results of operations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Commercial real estate and business loans increase our exposure to credit risks. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">At December&nbsp;31, 2015, our portfolio of commercial real estate and business loans totaled $879.9 million, or 42.2% of total loans.&nbsp;We
plan to continue to emphasize the origination of these types of loans, which generally expose us to a greater risk of nonpayment and loss than residential real estate or consumer loans because repayment of such loans often depends on the successful
operations and income stream of the borrowers. Additionally, such loans typically involve larger loan balances to single borrowers or groups of related borrowers compared to consumer loans or residential real estate loans. A sudden downturn in the
economy could result in borrowers being unable to repay their loans, thus exposing us to increased credit risk. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Our indirect lending involves risk
elements in addition to normal credit risk. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">A portion of our current lending involves the purchase of consumer automobile installment
sales contracts from automobile dealers located in Western, Central and the Capital District of New York, and Northern and Central Pennsylvania. These loans are for the purchase of new or used automobiles. We serve customers that cover a range of
creditworthiness, and the required terms and rates are reflective of those risk profiles. While these loans have higher yields than many of our other loans, such loans involve risks elements in addition to normal credit risk. Additional risk
elements associated with indirect lending include the limited personal contact with the borrower as a result of indirect lending through non-bank channels, namely automobile dealers.&nbsp;While indirect automobile loans are secured, such loans are
secured by depreciating assets and characterized by loan-to-value ratios that could result in us not recovering the full value of an outstanding loan upon default by the borrower.&nbsp;If the losses from our indirect loan portfolio are higher than
anticipated, that could have a material adverse effect on our financial condition and results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>We accept deposits that do not have a
fixed term and which may be withdrawn by the customer at any time for any reason. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">At December&nbsp;31, 2015, we had $2.1 billion of
deposit liabilities that have no maturity and, therefore, may be withdrawn by the depositor at any time.&nbsp;These deposit liabilities include our checking, savings, and money market deposit accounts.</P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Market conditions may impact the competitive landscape for deposits in the banking industry. The unprecedented low rate environment and future
actions the Federal Reserve may take may impact pricing and demand for deposits in the banking industry. The withdrawal of more deposits than we anticipate could have an adverse impact on our profitability as this source of funding, if not replaced
by similar deposit funding, would need to be replaced with wholesale funding, the sale of interest earning assets, or a combination of these two actions.&nbsp;The replacement of deposit funding with wholesale funding could cause our overall cost of
funding to increase, which would reduce our net interest income.&nbsp;A loss of interest earning assets could also reduce our net interest income. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Any future FDIC insurance premium increases may adversely affect our earnings. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The amount that is assessed by the FDIC for deposit insurance is set by the FDIC based on a variety of factors. These include the depositor
insurance fund&#146;s reserve ratio, the Bank&#146;s assessment base, which is equal to average consolidated total assets minus average tangible equity, and various inputs into the FDIC&#146;s assessment rate calculation. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">If there are additional financial institution failures we may be required to pay even higher FDIC premiums than the recently increased levels.
Such increases or required prepayments of FDIC insurance premiums may adversely impact our earnings. See Part I, Item 1 &#147;Business&#148;, &#147;Federal Deposit Insurance Assessments&#148; for more information about FDIC insurance premiums. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>We are highly regulated and may be adversely affected by changes in banking laws, regulations and regulatory practices. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We are subject to extensive supervision, regulation and examination. This regulatory structure gives the regulatory authorities extensive
discretion in connection with their supervisory and enforcement activities and examination policies to address not only compliance with applicable laws and regulations (including laws and regulations governing consumer credit, fair lending, and
anti-money laundering and anti-terrorism laws), but also capital adequacy, asset quality and risk, management ability and performance, earnings, liquidity, and various other factors. As part of this regulatory structure, we are subject to policies
and other guidance developed by the regulatory agencies with respect to capital levels, the timing and amount of dividend payments, the classification of assets and the establishment of adequate loan loss reserves for regulatory purposes. Under this
structure the regulatory agencies have broad discretion to impose restrictions and limitations on our operations if they determine, among other things, that our operations are unsafe or unsound, fail to comply with applicable law or are otherwise
inconsistent with laws and regulations or with the supervisory policies of these agencies. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">This supervisory framework could materially
impact the conduct, growth and profitability of our operations. Any failure on our part to comply with current laws, regulations, other regulatory requirements or safe and sound banking practices or concerns about our financial condition, or any
related regulatory sanctions or adverse actions against us, could increase our costs or restrict our ability to expand our business and result in damage to our reputation. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We describe the significant federal and state banking regulations that affect us in the section captioned &#147;Supervision and
Regulation&#148; included in Part I, Item 1, &#147;Business&#148;. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>New or changing tax and accounting rules and interpretations could
significantly impact our strategic initiatives, results of operations, cash flows, and financial condition. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Accounting principles
generally accepted in the United States, require us to use certain assumptions and estimates in preparing our financial statements, including in determining credit loss reserves and reserves related to litigation, among other items. Certain of our
financial instruments, including available-for-sale securities and certain loans, require a determination of their fair value in order to prepare our financial statements. Where quoted market prices are not available, we may make fair value
determinations based on internally developed models or other means, which ultimately rely to some degree on management judgment. Some of these and other assets and liabilities may have no direct observable price levels, making their valuation
particularly subjective, as they are based on significant estimation and judgment. In addition, sudden illiquidity in markets or declines in prices of certain loans and securities may make it more difficult to value certain balance sheet items,
which may lead to the possibility that such valuations will be subject to further change or adjustment. If assumptions or estimates underlying our financial statements are incorrect, we may experience material losses.&nbsp;These risks, along with
the currently existing tax, accounting, securities, insurance, and monetary laws, regulations, rules, standards, policies, and interpretations control the methods by which financial institutions conduct business, implement strategic initiatives and
tax compliance, and govern financial reporting and disclosures. These laws, regulations, rules, standards, policies, and interpretations are constantly evolving and may change significantly over time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Legal and regulatory proceedings and related matters could adversely affect us and banking industry in general. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We have been, and may in the future be, subject to various legal and regulatory proceedings. It is inherently difficult to assess the outcome
of these matters, and there can be no assurance that we will prevail in any proceeding or litigation.&nbsp;Legal and regulatory matters could result in substantial cost and diversion of our efforts, which by itself could have a material adverse
effect on our financial condition and operating results. Further, adverse determinations in such matters could result in actions by our regulators that could materially adversely affect our business, financial condition or results of operations.
</P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We establish reserves for legal claims when payments associated with the claims become probable and the costs can be reasonably estimated.
We may still incur legal costs for a matter even if we have not established a reserve. In addition, due to the inherent subjectivity of the assessments and unpredictability of the outcome of legal proceedings, the actual cost of resolving a legal
claim may be substantially higher than any amounts reserved for that matter. The ultimate resolution of a pending legal proceeding, depending on the remedy sought and granted, could adversely affect our results of operations and financial condition.
</P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>A breach in security of our or third party information systems, including the occurrence of a cyber incident
or a deficiency in cyber security, may subject us to liability, result in a loss of customer business or damage our brand image. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We
rely heavily on communications, information systems (both internal and provided by third parties) and the internet to conduct our business. Our business depends on our ability to process and monitor a large volume of daily transactions in compliance
with legal, regulatory and internal standards and specifications. In addition, a significant portion of our operations relies heavily on the secure processing, storage and transmission of personal and confidential information, such as the personal
information of our customers and clients. These risks may increase in the future as we continue to increase mobile payments and other internet-based product offerings and expand our internal usage of web-based products and applications. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In addition, several U.S. financial institutions have recently experienced significant distributed denial-of-service attacks, some of which
involved sophisticated and targeted attacks intended to disable or degrade service, or sabotage systems. Other potential attacks have attempted to obtain unauthorized access to confidential information or destroy data, often through the introduction
of computer viruses or malware, cyber-attacks and other means. To date, none of these types of attacks have had a material effect on our business or operations. Such security attacks can originate from a wide variety of sources, including persons
who are involved with organized crime or who may be linked to terrorist organizations or hostile foreign governments. Those same parties may also attempt to fraudulently induce employees, customers or other users of our systems to disclose sensitive
information in order to gain access to our data or that of our customers or clients. We are also subject to the risk that our employees may intercept and transmit unauthorized confidential or proprietary information. An interception, misuse or
mishandling of personal, confidential or proprietary information being sent to or received from a customer or third party could result in legal liability, remediation costs, regulatory action and reputational harm, any of which could adversely
affect our results of operations and financial condition. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>We face competition in staying current with technological changes to compete and meet
customer demands. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The financial services market, including banking services, faces rapid changes with frequent introductions of new
technology-driven products and services. In addition to better serving customers, the effective use of technology increases efficiency and may enable us to reduce costs. Our future success may depend, in part, on our ability to use technology to
provide products and services that provide convenience to customers and to create additional efficiencies in our operations. Some of our competitors have substantially greater resources to invest in technological improvements than we currently have.
We may not be able to effectively implement new technology-driven products and services or be successful in marketing these products and services to our customers. As a result, our ability to effectively compete to retain or acquire new business may
be impaired, and our business, financial condition or results of operations, may be adversely affected. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>We rely on other companies to provide key
components of our business infrastructure. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Third party vendors provide key components of our business infrastructure such as internet
connections, network access and core application processing. While we have selected these third party vendors carefully, we do not control their actions. Any problems caused by these third parties, including as a result of them not providing us
their services for any reason or them performing their services poorly, could adversely affect our ability to deliver products and services to our customers or otherwise conduct our business efficiently and effectively.&nbsp;Replacing these third
party vendors could also entail significant delay and expense. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Third parties perform significant operational services on our behalf. These
third-party vendors are subject to similar risks as us relating to cybersecurity, breakdowns or failures of their own systems or employees. One or more of our vendors may experience a cybersecurity event or operational disruption and, if any such
event does occur, it may not be adequately addressed, either operationally or financially, by the third-party vendor. Certain of our vendors may have limited indemnification obligations or may not have the financial capacity to satisfy their
indemnification obligations. Financial or operational difficulties of a vendor could also impair our operations if those difficulties interfere with the vendor&#146;s ability to serve us. If a critical vendor is unable to meet our needs in a timely
manner or if the services or products provided by such a vendor are terminated or otherwise delayed and if we are not able to develop alternative sources for these services and products quickly and cost-effectively, it could have a material adverse
effect on our business. Federal banking regulators recently issued regulatory guidance on how banks select, engage and manage their outside vendors. These regulations may affect the circumstances and conditions under which we work with third parties
and the cost of managing such relationships. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>We use financial models for business planning purposes that may not adequately predict future results.
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We use financial models to aid in planning for various purposes including our capital and liquidity needs, interest rate risk,
potential charge- offs, reserves, and other purposes. The models used may not accurately account for all variables that could affect future results, may fail to predict outcomes accurately and/or may overstate or understate certain effects. As a
result of these potential failures, we may not adequately prepare for future events and may suffer losses or other setbacks due to these failures. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 21 - </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>We may not be able to attract and retain skilled people. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our success depends, in large part, on our ability to attract and retain skilled people.&nbsp;Competition for highly talented people can be
intense, and we may not be able to hire sufficiently skilled people or to retain them.&nbsp;Further, the rural location of our principal executive offices and many of our bank branches make it challenging for us to attract skilled people to such
locations.&nbsp;The unexpected loss of services of one or more of our key personnel could have a material adverse impact on our business because of their skills, knowledge of our markets, years of industry experience, and the difficulty of promptly
finding qualified replacement personnel. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Acquisitions may disrupt our business and dilute shareholder value. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We intend to continue to pursue a growth strategy for our business by expanding our branch network into communities within or adjacent to
markets where we currently conduct business.&nbsp;&nbsp;&nbsp;&nbsp;We may consider acquisitions of loans or securities portfolios, lending or leasing firms, commercial and small business lenders, residential lenders, direct banks, banks or bank
branches, wealth and investment management firms, securities brokerage firms, specialty finance or other financial services-related companies.&nbsp;We also intend to expand our SDN and Courier subsidiaries by acquiring smaller insurance agencies and
wealth management firms in areas which complement our current footprint.&nbsp;We may be unsuccessful in expanding our SDN and Courier subsidiaries through acquisition because of the growing interest in acquiring insurance brokers and wealth
management firms, which could make it more difficult for us to identify appropriate targets and could make such acquisitions more expensive. Even if we are able to identify appropriate acquisition targets, we may not have sufficient capital to fund
acquisitions or be able to execute transactions on favorable terms.&nbsp;If we are unable to expand our SDN and Courier operations through smaller acquisitions, we may not be able to achieve all of the expected benefits of the SDN and Courier
acquisitions, which could adversely affect our results of operations and financial condition. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Acquiring other banks, businesses, or
branches involves potential adverse impact to our financial results and various other risks commonly associated with acquisitions, including, among other things: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">difficulty in estimating the value of the target company; </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">payment of a premium over book and market values that may dilute our tangible book value and earnings per share in the short and long term; </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">potential exposure to unknown or contingent liabilities of the target company; </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">exposure to potential asset quality issues of the target company; </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">volatility in reported income as goodwill impairment losses could occur irregularly and in varying amounts; </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">challenge and expense of integrating the operations and personnel of the target company; </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">inability to realize the expected revenue increases, cost savings, increases in geographic or product presence, and / or other projected benefits; </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">potential disruption to our business; </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">potential diversion of our management&#146;s time and attention; </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the possible loss of key employees and customers of the target company; </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">potential changes in banking or tax laws or regulations that may affect the target company; and </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">additional regulatory burdens associated with new lines of business. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>We are subject to interest rate risk.
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our earnings and cash flows depend largely upon our net interest income.&nbsp;Interest rates are highly sensitive to many factors that
are beyond our control, including general economic conditions and policies of governmental and regulatory agencies, particularly the Federal Reserve.&nbsp;Changes in monetary policy, including changes in interest rates, could influence not only the
interest we receive on loans and investments and the amount of interest we pay on deposits and borrowings, but such changes could also affect (i) our ability to originate loans and obtain deposits; (ii) the fair value of our financial assets and
liabilities; and (iii) the average duration of our mortgage-backed securities portfolio and other interest-earning assets.&nbsp;If the interest rates paid on deposits and other borrowings increase at a faster rate than the interest rates received on
loans and other investments, our net interest income, and therefore earnings, could be adversely affected.&nbsp;Earnings could also be adversely affected if the interest rates received on loans and other investments fall more quickly than the
interest rates paid on deposits and other borrowings. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Any substantial, unexpected or prolonged change in market interest rates could have
a material adverse effect on our financial condition and results of operations. Also, our interest rate risk modeling techniques and assumptions likely may not fully predict or capture the impact of actual interest rate changes on our balance sheet.
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 22 - </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Our business may be adversely affected by conditions in the financial markets and economic
conditions generally. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our financial performance generally, and in particular the ability of borrowers to pay interest on and repay
principal of outstanding loans and the value of collateral securing those loans, as well as demand for loans and other products and services we offer, is highly dependent on the business environment in the markets where we operate, in the State of
New York and in the United States as a whole.&nbsp;A favorable business environment is generally characterized by, among other factors, economic growth, efficient capital markets, low inflation, low unemployment, high business and investor
confidence, and strong business earnings. Unfavorable or uncertain economic and market conditions can be caused by declines in economic growth, business activity or investor or business confidence; limitations on the availability or increases in the
cost of credit and capital; increases in inflation or interest rates; high unemployment, natural disasters; or a combination of these or other factors. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>The fiscal and monetary policies of the federal government and its agencies have a significant impact on our earnings. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The policies of the Federal Reserve impact us significantly. The Federal Reserve regulates the supply of money and credit in the United States.
Its policies directly and indirectly influence the rate of interest earned on loans and paid on borrowings and interest-bearing deposits and can also affect the value of financial instruments we hold. Those policies determine to a significant extent
our cost of funds for lending and investing. Changes in those policies are beyond our control and are difficult to predict. Federal Reserve policies can also affect our borrowers, potentially increasing the risk that they may fail to repay their
loans. For example, a tightening of the money supply by the Federal Reserve could reduce the demand for a borrower&#146;s products and services. This could adversely affect the borrower&#146;s earnings and ability to repay its loan, which could have
a material adverse effect on our financial condition and results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>The soundness of other financial institutions could
adversely affect us. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Financial services institutions are interrelated as a result of trading, clearing, counterparty, or other
relationships. We have exposure to many different industries and counterparties, and we routinely execute transactions with counterparties in the financial services industry, including commercial banks, brokers and dealers, investment banks, and
other institutional clients. Many of these transactions expose us to credit risk in the event of a default by our counterparty or client. In addition, our credit risk may be exacerbated when the collateral held by us cannot be realized or is
liquidated at prices not sufficient to recover the full amount of the credit or derivative exposure due us. Any such losses could have a material adverse effect on our financial condition and results of operations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>The value of our goodwill and other intangible assets may decline in the future. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">As of December&nbsp;31, 2015, we had $60.4 million of goodwill and $6.5 million of other intangible assets. Significant and sustained declines
in our stock price and market capitalization, significant declines in our expected future cash flows, significant adverse changes in the business climate or slower growth rates, any or all of which could be materially impacted by many of the risk
factors discussed herein, may necessitate our taking charges in the future related to the impairment of our goodwill. Future regulatory actions could also have a material impact on assessments of goodwill for impairment.&nbsp;If the fair value of
our net assets improves at a faster rate than the market value of our reporting units, or if we were to experience increases in book values of a reporting unit in excess of the increase in fair value of equity, we may also have to take charges
related to the impairment of our goodwill. If we were to conclude that a future write-down of our goodwill is necessary, we would record the appropriate charge, which could have a material adverse effect on our results of operations. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Identifiable intangible assets other than goodwill consist of core deposit intangibles and other intangible assets (primarily customer
relationships).&nbsp;Adverse events or circumstances could impact the recoverability of these intangible assets including loss of core deposits, significant losses of customer accounts and/or balances, increased competition or adverse changes in the
economy. To the extent these intangible assets are deemed unrecoverable, a non-cash impairment charge would be recorded which could have a material adverse effect on our results of operations. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">During the fourth quarter of 2015, we determined that the carrying value of our Insurance reporting unit exceeded its fair value and recorded a
$751 thousand impairment charge.&nbsp;For further discussion, see Note 1, Summary of Significant Accounting Policies, and Note 7, Goodwill and Other Intangible Assets, to the Consolidated Financial Statements included in Item 8 of this Annual Report
on Form&nbsp;10-K. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>A potential proxy contest for the election of directors at our annual meeting or proposals
arising out of shareholder initiatives could cause us to incur substantial costs and negatively affect our business. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Over the last few
years, proxy contests and other forms of shareholder activism have been directed against numerous publicly-traded community banks. On December&nbsp;16, 2015, Clover Partners, L.P. (&#147;Clover&#148;), a holder of approximately 5% of our outstanding
common stock, wrote a letter to our Board of Directors raising concerns regarding our strategic direction, expressing Clover&#146;s desire to see the Company sold, expressing its desire for representation on our Board of Directors, and threatening a
proxy contest. In the event that any significant investor makes proposals concerning our operations, governance or other matters, or seeks to change our Board of Directors, our review and consideration of such proposals may require the devotion of a
significant amount of time by our management and employees and could require us to expend significant resources. Further, if our Board of Directors, in exercising its fiduciary duties, disagrees with or determines not to pursue the strategic
direction suggested by an activist shareholder, our business could be adversely affected by responding to a costly and time-consuming proxy contest or other actions from an activist shareholder that will divert the attention of our management and
employees, interfere with our ability to execute our strategic plan, result in the loss of business opportunities and customers, and make it more difficult for us to attract and retain qualified personnel and business partners.</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>We operate in a highly competitive industry and market area. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We face substantial competition in all areas of our operations from a variety of different competitors, many of which are larger and may have
more financial resources.&nbsp;Such competitors primarily include national, regional and internet banks within the markets in which we operate. We also face competition from many other types of financial institutions, including, without limitation,
savings and loan associations, credit unions, finance companies, brokerage firms, insurance companies and other financial intermediaries. The financial services industry could become even more competitive as a result of legislative, regulatory and
technological changes and continued consolidation.&nbsp;Banks, securities firms and insurance companies can merge under the umbrella of a financial holding company, which can offer virtually any type of financial service, including banking,
securities underwriting, insurance (both agency and underwriting), and merchant banking.&nbsp;Also, technology has lowered barriers to entry and made it possible for nonbanks to offer products and services traditionally provided by banks, such as
automatic transfer and automatic payment systems.&nbsp;More recently, peer to peer lending has emerged as an alternative borrowing source for our customers and many other non-banks offer lending and payment services in competition with banks. Many
of these competitors have fewer regulatory constraints and may have lower cost structures. Additionally, due to their size, many competitors may be able to achieve economies of scale and, as a result, may offer a broader range of products and
services as well as better pricing for those products and services than we can. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our ability to compete successfully depends on a number of
factors, including, among other things: </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the ability to develop, maintain and build upon long-term customer relationships based on top quality service, high ethical standards and safe, sound assets; </TD></TR></TABLE>
<P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the ability to expand our market position; </TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the scope, relevance and pricing of products and services offered to meet customer needs and demands; </TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the rate at which we introduce new products and services relative to our competitors; </TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">customer satisfaction with our level of service; and </TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">industry and general economic trends. </TD></TR></TABLE> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Failure to perform in any of these areas could
significantly weaken our competitive position, which could adversely affect our growth and profitability, which, in turn, could have a material adverse effect on our financial condition and results of operations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Severe weather, natural disasters, acts of war or terrorism, and other external events could significantly impact our business. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Severe weather, natural disasters, acts of war or terrorism, and other adverse external events could have a significant impact on our ability
to conduct business.&nbsp;Such events could affect the stability of our deposit base, impair the ability of borrowers to repay outstanding loans, impair the value of collateral securing loans, cause significant property damage, result in loss of
revenue, and/or cause us to incur additional expenses.&nbsp;The occurrence of any such event could have a material adverse effect on our business, which, in turn, could have a material adverse effect on our financial condition and results of
operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Liquidity is essential to our businesses. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our liquidity could be impaired by an inability to access the capital markets or unforeseen outflows of cash.&nbsp;Reduced liquidity may arise
due to circumstances that we may be unable to control, such as a general market disruption or an operational problem that affects third parties or us.&nbsp;Our efforts to monitor and manage liquidity risk may not be successful or sufficient to deal
with dramatic or unanticipated reductions in our liquidity.&nbsp;In such events, our cost of funds may increase, thereby reducing our net interest income, or we may need to sell a portion of our investment and/or loan portfolio, which, depending
upon market conditions, could result in us realizing a loss. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 24 - </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>We may need to raise additional capital in the future and such capital may not be available on
acceptable terms or at all. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We may need to raise additional capital in the future to provide sufficient capital resources and
liquidity to meet our commitments and business needs.&nbsp;Our ability to raise additional capital, if needed, will depend on our financial performance and, among other things, conditions in the capital markets at that time which is outside of our
control. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In addition, we are highly regulated, and our regulators could require us to raise additional common equity in the future. We and
our regulators perform a variety of analyses of our assets, including the preparation of stress case scenarios, and as a result of those assessments we could determine, or our regulators could require us, to raise additional capital. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We cannot assure that required capital will be available on acceptable terms or at all.&nbsp;Any occurrence that may limit our access to the
capital markets, such as a decline in the confidence of debt purchasers, depositors of the Bank or counterparties participating in the capital markets, or a downgrade of our debt rating, may adversely affect our capital costs and ability to raise
capital and, in turn, our liquidity.&nbsp;An inability to raise additional capital on acceptable terms when needed could have a material adverse impact on our business, financial condition, results of operations or liquidity. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>We rely on dividends from our subsidiaries for most of our revenue. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We are a separate and distinct legal entity from our subsidiaries. A substantial portion of our revenue comes from dividends from our Bank
subsidiary. These dividends are the principal source of funds we use to pay dividends on our common and preferred stock, and to pay interest and principal on our debt. Federal and/or state laws and regulations limit the amount of dividends that our
Bank subsidiary may pay to us. Also, our right to participate in a distribution of assets upon a subsidiary&#146;s liquidation or reorganization is subject to the prior claims of the subsidiary&#146;s creditors. In the event our Bank subsidiary is
unable to pay dividends to us, we may not be able to service debt, pay obligations, or pay dividends on our common and preferred stock. The inability to receive dividends from our Bank subsidiary could have a material adverse effect on our business,
financial condition, and results of operations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>We may not pay or may reduce the dividends on our common stock. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Holders of our common stock are only entitled to receive such dividends as our Board of Directors may declare out of funds legally available
for such payments.&nbsp;Although we have historically declared cash dividends on our common stock, we are not required to do so and may reduce or eliminate our common stock dividend in the future.&nbsp;This could adversely affect the market price of
our common stock. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>We may issue debt and equity securities or securities convertible into equity securities, any of which may be senior
to our common stock as to distributions and in liquidation, which could dilute our current shareholders or negatively affect the value of our common stock. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In the future, we may attempt to increase our capital resources by entering into debt or debt-like financing that is unsecured or secured by
all or up to all of our assets, or by issuing additional debt or equity securities, which could include issuances of secured or unsecured commercial paper, medium-term notes, senior notes, subordinated notes, preferred stock or securities
convertible into or exchangeable for equity securities.&nbsp;In the event of our liquidation, our lenders and holders of our debt and preferred securities would receive a distribution of our available assets before distributions to the holders of
our common stock.&nbsp;Because our decision to incur debt and issue securities in our future offerings will depend on market conditions and other factors beyond our control, we cannot predict or estimate the amount, timing or nature of our future
offerings and debt financings.&nbsp;Further, market conditions could require us to accept less favorable terms for the issuance of our securities in the future.&nbsp;We may also issue additional shares of our common stock or securities convertible
into or exchangeable for our common stock that could dilute our current shareholders and effect the value of our common stock. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Our
certificate of incorporation, our bylaws, and certain banking laws may have an anti-takeover effect. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Provisions of our certificate of
incorporation, our bylaws, and federal and state banking laws, including regulatory approval requirements, could make it more difficult for a third party to acquire us, even if doing so would be perceived to be beneficial to our shareholders. The
combination of these provisions may discourage others from initiating a potential merger, takeover or other change of control transaction, which, in turn, could adversely affect the market price of our common stock. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 25 - </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>The market price of our common stock may fluctuate significantly in response to a number of
factors. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our quarterly and annual operating results have varied in the past and could vary significantly in the future, which makes it
difficult for us to predict our future operating results. Our operating results may fluctuate due to a variety of factors, many of which are outside of our control, including the changing U.S. economic environment and changes in the commercial and
residential real estate market, any of which may cause our stock price to fluctuate. If our operating results fall below the expectations of investors or securities analysts, the price of our common stock could decline substantially. Our stock price
can fluctuate significantly in response to a variety of factors including, among other things: </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">volatility of stock market prices and volumes in general; </TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">changes in market valuations of similar companies; </TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">changes in conditions in credit markets; </TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">changes in accounting policies or procedures as required by the Financial Accounting Standards Board, or FASB, or other regulatory agencies; </TD></TR></TABLE>
<P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">legislative and regulatory actions (including the impact of the Dodd-Frank Act and related regulations) subjecting us to additional regulatory oversight which may result in increased compliance costs and/or require us
to change our business model; </TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">government intervention in the U.S. financial system and the effects of and changes in trade and monetary and fiscal policies and laws, including the interest rate policies of the Federal Reserve Board;
</TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">additions or departures of key members of management; </TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">fluctuations in our quarterly or annual operating results; and </TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">changes in analysts&#146; estimates of our financial performance. </TD></TR></TABLE> <P STYLE="font-size:16pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B><A NAME="toc120623_4"></A>ITEM
1B.&nbsp;&nbsp;&nbsp;&nbsp;UNRESOLVED STAFF COMMENTS </B></P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">None. </P> <P STYLE="font-size:16pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B><A NAME="toc120623_5"></A>ITEM
2.&nbsp;&nbsp;&nbsp;&nbsp;PROPERTIES </B></P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We own a 27,400 square foot building in Warsaw, New York that serves as our headquarters, and principal executive and administrative
offices.&nbsp;We lease a 22,200 square foot regional administrative facility located in Pittsford, New York.&nbsp;This lease expires in April&nbsp;2017. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We are engaged in the banking business through 50 branch offices, of which 35 are owned and 15 are leased, in the following fifteen contiguous
counties of Western and Central New York:&nbsp;Allegany, Cattaraugus, Cayuga, Chautauqua, Chemung, Erie, Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Steuben, Wyoming and Yates Counties.&nbsp;The operating leases for our branch offices
expire at various dates through the year 2036 and generally include options to renew. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">SDN operates from a leased 14,400 square foot office
located in Williamsville, New York. The lease for such space, which is used by SDN and several of our Bank&#146;s commercial lenders, extends through September&nbsp;2021. SDN also leases one retail location. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We believe that our properties have been adequately maintained, are in good operating condition and are suitable for our business as presently
conducted, including meeting the prescribed security requirements.&nbsp;For additional information, see Note 6, Premises and Equipment, Net, and Note 10, Commitments and Contingencies, in the accompanying financial statements included in Part II,
Item 8, of this Annual Report on Form&nbsp;10-K. </P> <P STYLE="font-size:16pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B><A NAME="toc120623_6"></A>ITEM 3.&nbsp;&nbsp;&nbsp;&nbsp;LEGAL PROCEEDINGS </B></P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">From time to time we are a party
to or otherwise involved in legal proceedings arising out of the normal course of business.&nbsp;Management does not believe that there is any pending or threatened proceeding against us, which, if determined adversely, would have a material adverse
effect on our business, results of operations or financial condition. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B><A NAME="toc120623_7"></A>ITEM
4.&nbsp;&nbsp;&nbsp;&nbsp;MINE SAFETY DISCLOSURES </B></P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Not applicable. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 26 - </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc120623_8"></A>PART II </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:-9%; font-size:10pt; font-family:Times New Roman"><B><A NAME="toc120623_9"></A>ITEM&nbsp;5.&nbsp;&nbsp;&nbsp;&nbsp;MARKET FOR REGISTRANT&#146;S COMMON EQUITY, RELATED
STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES </B></P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our common stock is traded on the NASDAQ Global Select Market under the ticker symbol &#147;FISI.&#148; At February&nbsp;29, 2016, 14,485,883
shares of our common stock were outstanding and held by approximately 4,600 shareholders of record. During 2015, the high sales price of our common stock was $29.04 and the low sales price was $21.67. The closing price per share of our common stock
on December&nbsp;31, 2015, the last trading day of our fiscal year, was $28.00.&nbsp;We declared dividends of $0.80 per common share during the year ended December&nbsp;31, 2015.&nbsp;See additional information regarding the market price and
dividends paid in Part II, Item 6, &#147;Selected Financial Data&#148;. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We have paid regular quarterly cash dividends on our common stock
and our Board of Directors presently intends to continue this practice, subject to our results of operations and the need for those funds for debt service and other purposes.&nbsp;See the discussions in the section captioned &#147;Supervision and
Regulation&#148; included in Part I, Item 1, &#147;Business&#148;, in the section captioned &#147;Liquidity and Capital Resources&#148; included in Part II, Item 7, in &#147;Management&#146;s Discussion and Analysis of Financial Condition and
Results of Operations&#148; and in Note 11, Regulatory Matters, in the accompanying financial statements included in Part II, Item 8, &#147;Financial Statements and Supplementary Data&#148;, all of which are included elsewhere in this report and
incorporated herein by reference thereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Stock Performance Graph </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The stock performance graph below compares (a) the cumulative total return on our common stock for the period beginning December&nbsp;31, 2010
as reported by the NASDAQ Global Select Market, through December&nbsp;31, 2015, (b) the cumulative total return on stocks included in the NASDAQ Composite Index over the same period, and (c) the cumulative total return, as compiled by SNL Financial
LC (&#147;SNL&#148;), of Major Exchange (NYSE, NYSE MKT and NASDAQ) Banks with $1 billion to $5 billion in assets over the same period. Cumulative return assumes the reinvestment of dividends. The graph was prepared by SNL and is expressed in
dollars based on an assumed investment of $100. </P> <P STYLE="font-size:14pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g120623g0308063352757.jpg" ALT="LOGO">
 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Period Ending</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><B>Index</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;12/31/10&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;12/31/11&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;12/31/12&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;12/31/13&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;12/31/14&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;12/31/15&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Financial Institutions, Inc.</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">100.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">87.62&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">104.55&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">143.79&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">151.22&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">173.96&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">NASDAQ Composite</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">99.21&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">116.82&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">163.75&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">188.03&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">201.40&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SNL Bank $1B-$5B Index</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">100.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">91.20&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">112.45&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">163.52&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">170.98&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">191.39&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 27 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B><A NAME="toc120623_10"></A>ITEM 6.&nbsp;&nbsp;&nbsp;&nbsp;SELECTED FINANCIAL DATA </B></P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="85%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><B><I>(Dollars in thousands, except per share data)</I></B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>At or for the year ended December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2011</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Selected financial condition data:</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;3,381,024&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;3,089,521&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;2,928,636&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;2,763,865&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;2,336,353&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans, net</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,056,677&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,884,365&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,806,883&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,681,012&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,461,516&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,030,112&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">916,932&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">859,185&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">841,701&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">650,815&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deposits</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,730,531&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,450,527&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,320,056&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,261,794&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,931,599&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Borrowings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">332,090&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">334,804&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">337,042&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">179,806&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">150,698&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Shareholders&#146; equity</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">293,844&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">279,532&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">254,839&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">253,897&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">237,194&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common shareholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">276,504&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">262,192&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">237,497&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">236,426&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">219,721&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tangible common shareholders&#146; equity<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">209,558&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">193,553&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">187,495&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">186,037&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">182,352&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Selected operations data:</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">105,450&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">101,055&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">98,931&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">97,567&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">95,118&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest expense</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10,137&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,281&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,337&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9,051&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13,255&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95,313&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">93,774&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">91,594&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">88,516&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81,863&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for loan losses</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,381&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,789&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9,079&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,128&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,780&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net interest income after provision for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">87,932&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85,985&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82,515&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81,388&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74,083&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest income</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">30,337&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">25,350&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">24,833&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">24,777&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">23,925&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79,393&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">72,355&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69,441&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71,397&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63,794&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income before income taxes</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">38,876&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">38,980&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">37,907&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">34,768&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">34,214&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income tax expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,539&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,625&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,377&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,319&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,415&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">28,337&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">29,355&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">25,530&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">23,449&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">22,799&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Preferred stock dividends and accretion</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,462&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,462&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,466&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,474&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,182&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income available to common shareholders</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">26,875&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">27,893&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">24,064&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">21,975&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">19,617&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Stock and related per share data:</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Earnings per common share:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Basic</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1.91&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2.01&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1.75&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1.60&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1.50&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Diluted</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.90&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.75&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.60&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.49&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash dividends declared on common stock</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.80&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.77&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.74&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.57&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.47&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common book value per share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.49&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18.57&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.17&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.15&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.92&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tangible common book value per share<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">14.77&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13.71&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13.56&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13.49&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13.21&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Market price (NASDAQ:&nbsp;FISI):</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">High</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">29.04&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">27.02&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">26.59&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">19.52&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">20.36&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Low</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.67&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.72&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.92&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.22&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.18&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Close</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">28.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">25.15&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">24.71&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">18.63&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">16.14&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Performance ratios:</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income, returns on:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average assets</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.87%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.98%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.91%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.93%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1.00%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.78<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.80<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.10<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8.5pt">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right">9.46<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.82<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average common equity</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9.87<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10.96<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10.23<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9.53<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"><FONT STYLE="font-size:8.5pt">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9.47<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"><FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average tangible common equity<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8.5pt">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right">13.16<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.12<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.00<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.74<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.55<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average tangible assets<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.84<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.95<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.87<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.89<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.88<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common dividend payout ratio</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8.5pt">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right">41.88<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38.31<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42.29<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35.63<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31.33<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net interest margin (fully tax-equivalent)</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"><FONT STYLE="font-size:8.5pt">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3.28<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"><FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3.50<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3.64<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3.95<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4.04<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Effective tax rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24.7&nbsp;&nbsp;<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32.7&nbsp;&nbsp;<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32.6&nbsp;&nbsp;<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33.4&nbsp;&nbsp;<FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Efficiency ratio<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">61.58%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">58.59%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">58.48%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">62.87%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">60.55%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:3%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD ALIGN="left" VALIGN="top"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>This is a non-GAAP measure that we believe is useful in understanding our financial performance and condition.&nbsp;Refer to the GAAP to Non-GAAP Reconciliation for
further information. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></TD>
<TD ALIGN="left" VALIGN="top"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>Efficiency ratio equals noninterest expense less other real estate expense and amortization and impairment of goodwill and other intangible assets as a percentage of
net revenue, defined as the sum of tax-equivalent net interest income and noninterest income before net gains on investment securities, adjustments to contingent liabilities and amortizations of tax credit investment. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 28 - </P>


<p Style='page-break-before:always'>
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<h5 align="left"><a href="#toc">Table of Contents</a></h5>


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<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><B><I>(Dollars in thousands)</I></B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="19" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>At or for the year ended December&nbsp;31,</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2011</B></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Capital ratios:</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Leverage ratio<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.41</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.35</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.63</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.71</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.63</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common equity Tier 1 ratio<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9.77</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">n/a</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">n/a</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">n/a</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">n/a</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tier 1 capital ratio<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.73</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total risk-based capital ratio<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13.35</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">11.72</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">12.08</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">11.98</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13.45</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average equity to average assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.08</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.01</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.84</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common equity to assets</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8.18</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8.49</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8.11</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8.55</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9.40</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tangible common equity to tangible assets<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.32</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.41</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.51</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.86</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.93</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Asset quality:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Non-performing loans</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8,440</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10,153</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16,622</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9,125</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7,076</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Non-performing assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,603</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,347</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,083</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,062</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,187</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance for loan losses</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">27,085</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">27,637</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">26,736</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">24,714</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">23,260</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net loan charge-offs</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,933</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,888</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,057</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,674</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,986</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Non-performing loans to total loans</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.41</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.53</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.91</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.53</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.48</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Non-performing assets to total assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net charge-offs to average loans</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.40</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.37</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.40</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.36</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.36</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance for loan losses to total loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance for loan losses to non-performing loans</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">321</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">272</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">161</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">271</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">329</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Other data:</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Number of branches</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Full time equivalent employees</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">660</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">622</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">608</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">628</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">575</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:3%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD ALIGN="left" VALIGN="top"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>2015 ratios calculated under Basel III rules, which became effective January&nbsp;1, 2015. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></TD>
<TD ALIGN="left" VALIGN="top"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>This is a non-GAAP measure that we believe is useful in understanding our financial performance and condition.&nbsp;Refer to the GAAP to Non-GAAP Reconciliation for
further information. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 29 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>GAAP to Non-GAAP Reconciliation </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="80%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><B><I>(In thousands, except per share data)</I></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="19" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>At or for the year ended December&nbsp;31,</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2011</B></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Computation of ending tangible common equity:</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common shareholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">276,504</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">262,192</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">237,497</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">236,426</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">219,721</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Less:&nbsp;Goodwill and other intangible assets, net</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">66,946</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">68,639</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">50,002</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">50,389</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">37,369</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tangible common shareholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">209,558</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">193,553</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">187,495</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">186,037</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">182,352</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Computation of ending tangible assets:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,381,024</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,089,521</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,928,636</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,763,865</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,336,353</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Less:&nbsp;Goodwill and other intangible assets, net</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">66,946</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68,639</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50,002</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50,389</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37,369</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tangible assets</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,314,078</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,020,882</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,878,634</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,713,476</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,298,984</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tangible common equity to tangible assets<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6.32%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6.41%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6.51%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6.86%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7.93%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common shares outstanding</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">14,191</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">14,118</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13,829</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13,788</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13,803</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tangible common book value per share<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">14.77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">13.71</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">13.56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">13.49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">13.21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Computation of average tangible common equity:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average common equity</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">272,367</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">254,533</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">235,290</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">230,527</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">207,189</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average goodwill and other intangible assets, net</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68,138</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,039</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50,201</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43,399</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37,369</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average tangible common equity</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">204,229</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">197,494</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">185,089</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">187,128</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">169,820</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Computation of average tangible common equity:</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3,269,890</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,994,604</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,803,825</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,519,258</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,277,149</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average goodwill and other intangible assets, net</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">68,138</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">57,039</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">50,201</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">43,399</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">37,369</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average tangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;3,210,752</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;2,937,565</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;2,753,624</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;2,475,859</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;2,239,780</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income available to common shareholders</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">26,875</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">27,893</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">24,064</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">21,975</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">19,617</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Return on average tangible common equity<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13.16%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">14.12%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13.00%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">11.74%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">11.55%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Return on average tangible assets<SUP STYLE="font-size:85%; vertical-align:top">(4)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.84%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.95%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.87%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.89%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.88%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:3%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD ALIGN="left" VALIGN="top"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>Tangible common shareholders&#146; equity divided by tangible assets. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></TD>
<TD ALIGN="left" VALIGN="top"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>Tangible common shareholders&#146; equity divided by common shares outstanding. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></TD>
<TD ALIGN="left" VALIGN="top"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>Net income available to common shareholders divided by average tangible common equity. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(4)</SUP></TD>
<TD ALIGN="left" VALIGN="top"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>Net income available to common shareholders divided by average tangible assets. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 30 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SELECTED QUARTERLY DATA </B></P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="87%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B><I>(Dollars in thousands, except per share data)</I></B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fourth<BR>&nbsp;&nbsp;&nbsp;&nbsp;Quarter&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Third<BR>&nbsp;&nbsp;&nbsp;&nbsp;Quarter&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Second<BR>&nbsp;&nbsp;&nbsp;&nbsp;Quarter&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>First<BR>&nbsp;&nbsp;&nbsp;&nbsp;Quarter&nbsp;&nbsp;&nbsp;&nbsp;</B></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2015</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">27,487</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,007</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,959</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,997</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest expense</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,856</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,876</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,555</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,850</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,631</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,131</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23,404</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23,147</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for loan losses</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,598</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">754</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,288</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,741</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net interest income, after provision for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,033</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23,377</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,116</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,406</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest income</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8,580</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,005</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6,455</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8,297</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,828</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,318</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,236</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,011</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income before income taxes</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8,785</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">11,064</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9,335</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9,692</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income tax expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,150</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,748</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,891</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6,635</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8,316</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6,585</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6,801</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Preferred stock dividends</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">365</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">365</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income applicable to common shareholders</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6,270</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,950</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6,219</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6,436</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Earnings per common share <SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Basic</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">0.44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Diluted</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.44</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.56</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.44</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.46</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Market price (NASDAQ:&nbsp;FISI):</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">High</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">29.04</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">25.21</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">25.50</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">25.38</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Low</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24.05</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.67</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Close</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">28.00</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">24.78</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">24.84</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">22.93</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Dividends declared</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">0.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2014</B></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest income</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">25,984</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">25,129</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">24,883</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">25,059</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,846</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,871</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,780</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,784</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net interest income</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">24,138</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">23,258</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">23,103</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">23,275</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,910</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,015</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,758</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,106</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net interest income, after provision for loan losses</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">22,228</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">21,243</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">21,345</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">21,169</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,261</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,577</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,357</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest expense</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">19,379</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">17,955</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">17,808</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">17,213</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income before income taxes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,004</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,549</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,114</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,313</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income tax expense</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">84</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,365</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,082</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,094</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">7,920</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,184</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,032</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,219</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Preferred stock dividends</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">365</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">366</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">365</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">366</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income applicable to common shareholders</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">7,555</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,818</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,667</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,853</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Earnings per common share <SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Basic</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.54</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.49</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.48</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.50</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Diluted</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.48</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Market price (NASDAQ:&nbsp;FISI):</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">High</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">27.02</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24.94</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24.88</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25.69</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Low</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">22.45</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">21.71</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">22.17</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">19.72</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Close</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25.15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.48</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.02</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Dividends declared</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.20</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.19</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.19</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.19</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:3%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD ALIGN="left" VALIGN="top"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>Earnings per share data is computed independently for each of the quarters presented.&nbsp;Therefore, the sum of the quarterly earnings per common share amounts may
not equal the total for the year. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 31 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>2015 FOURTH QUARTER RESULTS </B></P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Net income was $6.6 million for the fourth quarter of 2015 compared with $7.9 million for the fourth quarter of 2014.&nbsp;After preferred
dividends, net income available to common shareholders for the fourth quarter of 2015 was $6.3 million or $0.44 per diluted share, compared to $7.6 million or $0.54 per share in the fourth quarter of 2014. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Net interest income for the fourth quarter of 2015 increased $493 thousand compared to the fourth quarter of 2014. The increase was primarily
related to an increase in average interest-earning assets of $316.3 million, led by a $172.3 million increase in investment securities and a $144.0 million increase in loans.&nbsp;The increase was partially offset by a lower net interest margin,
which decreased 30 basis points from the fourth quarter of 2014 to the fourth quarter of 2015. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The provision for loan losses was $2.6
million for the fourth quarter of 2015 compared with $1.9 million for the fourth quarter of 2014.&nbsp;Net charge-offs for the fourth quarter of 2015 were $2.0 million, or 0.38% annualized, of average loans, compared to $1.5 million, or 0.32%
annualized, of average loans in the fourth quarter of 2014.</P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Noninterest income was $8.6 million for the fourth quarter of 2015 compared to
$5.2 million in the fourth quarter of 2014.&nbsp;The increase was driven primarily by a non-cash fair value adjustment of the contingent consideration liability in the fourth quarter of 2015 that resulted in noninterest income of $1.1 million
related to the SDN acquisition and the amortization of a historic tax investment in a community-based project which reduced noninterest income by $2.3 million in the fourth quarter of 2014.&nbsp;These types of investments are amortized in the first
year the project is placed in service and we recognized the amortization as contra-income, included in noninterest income, with an offsetting tax benefit that reduced income tax expense. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Noninterest expense was $21.8 million for the fourth quarter of 2015 compared to $19.4 million in the fourth quarter of 2014. Salaries and
employee benefits expense, the largest noninterest expense item, was up $781 thousand from the fourth quarter of 2014, and reflects a combination of additional personnel to support organic growth as part of the Company&#146;s expansion initiatives
and higher pension expense. Noninterest expense also included $751 thousand of goodwill impairment in the fourth quarter of 2015 related to the SDN acquisition, an increase of $176 thousand in professional service fees attributable to the
acquisition of Courier Capital, and additional marketing services related to branding and the opening of our new CityGate branch in Rochester, NY. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Income tax expense was $2.2 million in the fourth quarter of 2015 compared to $84 thousand in the fourth quarter of 2014.&nbsp;The increase was
driven by the favorable impact of $3.0 million in Federal and New York State historic tax credits realized in the fourth quarter of 2014, as discussed above.&nbsp;As a result of the historic tax credits, the effective tax rate for the fourth quarter
of 2014 was 1.0%, compared with an effective tax rate of 24.5% in the fourth quarter of 2015. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 32 - </P>


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<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:-9%; font-size:10pt; font-family:Times New Roman"><B><A NAME="toc120623_11"></A>ITEM&nbsp;7.&nbsp;&nbsp;&nbsp;&nbsp;MANAGEMENT&#146;S DISCUSSION AND ANALYSIS OF FINANCIAL
CONDITION AND RESULTS OF OPERATIONS </B></P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P>
<P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><I>The following is a discussion and analysis of our financial position and results of operations and should be read in conjunction with the
information set forth under Part I, Item 1A, &#147;Risks Factors&#148;, and our consolidated financial statements and notes thereto appearing under Part II, Item 8, &#147;Financial Statements and Supplementary Data&#148; of this Annual Report on
Form 10-K. </I></P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>INTRODUCTION </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Financial Institutions, Inc. (the &#147;Parent&#148; and together with all its subsidiaries, &#147;we,&#148;&#148;our,&#148; or
&#147;us&#148;), is a financial holding company headquartered in New York State. We offer a broad array of deposit, lending, and other financial services to individuals, municipalities and businesses in Western and Central New York through our
wholly-owned New York chartered banking subsidiary, Five Star Bank (the &#147;Bank&#148;). Our indirect lending network includes relationships with franchised automobile dealers in Western and Central New York, the Capital District of New York and
Northern and Central Pennsylvania. We also offer insurance services through our wholly-owned insurance subsidiary, Scott Danahy Naylon, LLC (&#147;SDN&#148;), a full service insurance agency. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our primary sources of revenue are net interest income (interest earned on our loans and securities, net of interest paid on deposits and
other funding sources) and noninterest income, particularly fees and other revenue from insurance and financial services provided to customers or ancillary services tied to loans and deposits. Business volumes and pricing drive revenue potential,
and tend to be influenced by overall economic factors, including market interest rates, business spending, consumer confidence, economic growth, and competitive conditions within the marketplace.&nbsp;We are not able to predict market interest rate
fluctuations with certainty and our asset/liability management strategy may not prevent interest rate changes from having a material adverse effect on our results of operations and financial condition. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>EXECUTIVE OVERVIEW </B></P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Industry Overview </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">By law, the Federal Reserve establishes monetary policy to achieve maximum employment, stable prices, and moderate long-term interest
rates.&nbsp;Information indicates that economic activity is expanding at a moderate pace.&nbsp;Labor market conditions have improved and a range of labor market indicators suggests that underutilization of labor resources is gradually diminishing.
At the same time, the Federal Open Market Committee (&#147;FOMC&#148;) determined that the likelihood of inflation running persistently below 2% has diminished somewhat since early in 2014 and survey-based measures of longer-term inflation
expectations have remained stable. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">On December&nbsp;16, 2015, the FOMC raised the federal funds rate by 25 basis points, the first rate
hike in over nine years.&nbsp;By the time this rate hike was announced, the market had already priced in much of the impact and we experienced higher borrowing costs in the fourth quarter of 2015 leading up to the Federal Reserve&#146;s anticipated
action. The FOMC&#146;s decision was based on their view of the considerable improvement in labor market conditions in 2015 and an expectation that inflation will rise, over the medium term, to its 2% objective.&nbsp;In December, the FOMC indicated
that it expects that economic conditions will warrant only gradual increases in the federal funds rate; however, they also noted that inflation expectations still remain somewhat uncertain and the actual path of the federal funds rate will depend on
the economic outlook as informed by incoming data. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The banking industry continues to be impacted by new legislative and regulatory reform
proposals. Basel III became effective for &#147;non-advanced approaches&#148; banks, such as us, in 2015. Basel III raised both the quality and quantity requirements for regulatory capital. Overall, the total regulatory capital ratio for the
industry fell in the first quarter of 2015. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The national unemployment rate decreased from 5.6% in December&nbsp;2014 to 5.0% at
December&nbsp;2015. The unemployment rate has steadily decreased during 2015 and is at the lowest level since April&nbsp;2008.&nbsp;The unemployment rate has now fallen below the maximum target level set by the FOMC, which supported the increase in
the federal funds rate in December&nbsp;2015. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Bank failures continued to slow, with six in 2015 (through September) following 18 in 2014,
the lowest levels since 2007. From 2008 to 2014, 507 banks failed and went into receivership with the FDIC, causing estimated losses of $74.01 billion to the Depository Insurance Fund. This compares to only 10 bank failures in the years from 2003 to
2007. The FDIC&#146;s &#147;problem list&#148; stood at 203 at September&nbsp;30, 2015, down from a peak of 884 at the end of 2010. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In the
third quarter of 2015, FDIC-insured banks reported industry revenue that was largely unchanged from the prior year. Earnings for the third quarter of 2015 were higher than the prior year quarter, driven primarily by a decrease in noninterest
expense. The net interest margin for the industry remains near a historic low at 3.08% for the third quarter of 2015, a decline of 7 basis points from the prior-year quarter. A 30-year low on the net interest margin was set in the first quarter of
2015 at 3.02%.&nbsp;Industry-wide, provision for loan losses continued to trend upward with a five-quarter consecutive increase.&nbsp;Through September&nbsp;2015, all FDIC-insured institutions reported a return on average assets of 1.05%, a return
on average equity of 9.33%, a net charge-off ratio of 0.42% and an efficiency ratio of 60.0%. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 33 - </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Issuance of Subordinated Notes </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In
April&nbsp;2015, the Parent issued $40.0 million of 6.0% fixed to floating rate subordinated notes due April&nbsp;15, 2030 (the &#147;Subordinated Notes&#148;) to certain accredited investors. The Subordinated Notes bear interest at a fixed rate of
6.0% per year, payable semi-annually, for the first 10 years. From April&nbsp;15, 2025 to April&nbsp;15, 2030, the interest rate will reset quarterly to an annual interest rate equal to the then current three-month London Interbank Offered Rate
(LIBOR) plus 3.944%, payable quarterly. We may redeem the Subordinated Notes on any quarterly interest payment date beginning on April&nbsp;15, 2025 to maturity at par, plus accrued and unpaid interest. We used the net proceeds from this offering
for general corporate purposes, including but not limited to, contribution of capital to the Bank to support both organic growth as well as opportunistic acquisitions. The Parent contributed $34.0 million of net proceeds from this offering to the
Bank as capital to support general corporate purposes. The Subordinated Notes qualify as Tier 2 capital for regulatory purposes. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>2015 Financial
Performance Review </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">During 2015 we continued to execute on our growth and diversification strategy and saw progress in our core banking
franchise with robust growth in both loans and deposits.&nbsp;We also continued to integrate the SDN insurance platform into our sales process and, during the fourth quarter, announced our agreement to purchase Courier Capital Corporation as our
wealth management platform, which closed at the beginning of 2016. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Net income for 2015 was $28.3 million, compared to $29.4 million for
2014.&nbsp;This resulted in a 0.87% return on average assets and a 9.78% return on average equity.&nbsp;Net income available to common shareholders was $26.9 million or $1.90 per diluted share for 2015, compared to $27.9 million or $2.00 per diluted
share for 2014.&nbsp;We declared cash dividends of $0.80 during 2015, an increase of $0.03 per common share or 4% compared to the prior year. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Fully-taxable equivalent net interest income was $98.4 million in 2015, an increase of $1.8 million, or 2%, compared with 2014.&nbsp;This
reflected the impact of 9% growth in average interest-earning assets, offset by a 22 basis point decline in the net interest margin to 3.28%. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">During the fourth quarter of 2015, we recognized a non-cash goodwill impairment charge of $751 thousand and a non-cash fair value adjustment of
the contingent consideration liability that resulted in noninterest income of $1.1 million related to the SDN acquisition. The fair value of the consideration was recorded at the time of the SDN acquisition and was included in goodwill as a
component of the purchase price. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Noninterest income totaled $30.3 million for the full year 2015, an increase of $5.0 million or 20% when
compared to the prior year.&nbsp;Insurance income increased by $2.8 million to $5.2 million during the current year as 2015 reflects the benefit of a full year of revenue associated with the 2014 SDN acquisition. 2015 noninterest income reflects the
$1.1 million gain due to the reduction in the estimate of the fair value of the contingent consideration liability recorded for SDN as previously mentioned. Also included in noninterest income is the amortization of a historic tax investment in a
community-based project which reduced noninterest income by $390 thousand and $2.3 million for the years ended December&nbsp;31, 2015 and 2014, respectively.&nbsp;These types of investments are amortized in the first year the project is placed in
service and we recognized the amortization as contra-income, included in noninterest income, with an offsetting tax benefit that reduced income tax expense.&nbsp;Adding to these increases was a $1.2 million decline in service charges on deposits,
due primarily to lower overdraft fees stemming from reduced activity. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Noninterest expense for the full year 2015 totaled $79.4 million, a
$7.0 million increase compared to $72.4 million in the prior year.&nbsp;Salaries and benefits expense increased $3.8 million year-over-year, reflecting the full year impact of the addition of employees from SDN and increased staffing associated with
the our expansion initiatives.&nbsp;A higher occupancy and equipment expense, computer and data processing expense, the previously mentioned goodwill impairment charge and other noninterest expense contributed to the increase. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Income tax expense for the year was $10.5 million, representing an effective tax rate of 27.1% compared with an effective tax rate of 24.7% in
2014.&nbsp;The lower effective tax rate in 2014 reflects the historic tax credit benefit described above. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Non-performing loans decreased
$1.7 million compared to a year ago to $8.4 million, or 0.41% of total loans.&nbsp;The provision for loan losses decreased $408 thousand, or 5%, from 2014 as we continue to maintain the allowance for loan losses consistent with the growth in our
loan portfolio and improving trends in asset quality.&nbsp;Net charge-offs increased $1.0 million from the prior year to $7.9 million in 2015.&nbsp;Net charge-offs were an annualized 0.40% of average loans in the current year compared to 0.37% in
2014. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company&#146;s leverage ratio was 7.41% at December&nbsp;31, 2015 compared to 7.35% at December&nbsp;31, 2014. The increase in
the leverage ratio was due to higher regulatory capital, which excludes changes in accumulated other comprehensive income. During the second quarter of 2015, the Parent contributed $34.0 million of net proceeds from the Subordinated Notes offering
to the Bank as additional paid-in capital. The Bank&#146;s leverage ratio and total risk-based capital ratio were 8.09% and 12.66%, respectively, at December&nbsp;31, 2015. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 34 - </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>2016 Outlook </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We begin 2016 in a strong financial condition and with positive momentum. Net interest income is expected to increase in 2016. We anticipate an
increase in earning assets as we remain focused on loan growth, which will be primarily funded through deposit gathering.&nbsp;However, those benefits to net interest income are expected to be partially offset by slight downward pressure on net
interest margin.&nbsp;We plan to maintain a disciplined approach to loan pricing, but asset yields remain under pressure due to the low interest rate environment and flattening of the yield curve, while the opportunity for deposit repricing remains
limited. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We expect our commercial loan portfolio to grow in a manner consistent with our strategic initiatives and continued support of
middle market small business lending. Automobile loan originations remain strong, reflecting the positive impact from our investment in automotive dealer relationships. The residential real estate portfolio, which includes both first and junior lien
residential real estate related products, is expected to increase as we remain focused on the customer experience and our convenient application process. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We anticipate the increase in total loans will modestly outpace growth in total deposits. This anticipated outcome reflects our continued focus
on targeting loyal relationship-based deposit customers rather those that are more price sensitive.&nbsp;We expect to continue managing the overall cost of funds using short-term borrowings, as well as our continued shift in mix of deposits towards
low- and no-cost demand deposits and money market deposit accounts. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Noninterest income during 2016 is expected to be higher than 2015,
reflecting our continued efforts to increase both account and transaction-based fee income, coupled with the benefit of revenue from our fee-based subsidiaries, SDN and Courier Capital.&nbsp;We anticipate this will further reduce our reliance on
traditional spread-based net interest income, as fee-based activities are a relatively stable revenue source during periods of changing interest rates. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Noninterest expense is expected to be higher with the addition of Courier Capital, coupled with higher salaries and benefits costs associated
with our expansion initiatives, namely the opening of our second financial solution center in Rochester, New York; otherwise, we remain committed to diligent expense control during 2016. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We do not expect significant changes in overall asset quality and allowance measurements. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The effective tax rate for 2016 is expected to be slightly higher than 2015, as the lower effective tax rate in 2015 was partly driven by
historic tax credits claimed in 2015.&nbsp;However, our 2016 effective tax rate will continue to reflect the positive impacts of tax-exempt income, tax advantaged investments, the formation of our real estate investment trust in early 2014 and
benefits from New York State tax law changes that began going into effect during 2015. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>RESULTS OF OPERATIONS FOR THE YEARS ENDED </I></B></P>
<P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>DECEMBER&nbsp;31, 2015 AND DECEMBER&nbsp;31, 2014 </I></B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Net Interest Income and Net Interest Margin </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Net interest income is our primary source of revenue. Net interest income is the difference between interest income on interest-earning assets,
such as loans and investment securities, and the interest expense on interest-bearing deposits and other borrowings used to fund interest-earning and other assets or activities. Net interest income is affected by changes in interest rates and by the
amount and composition of earning assets and interest-bearing liabilities, as well as the sensitivity of the balance sheet to changes in interest rates, including characteristics such as the fixed or variable nature of the financial instruments,
contractual maturities and repricing frequencies. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We use interest rate spread and net interest margin to measure and explain changes in
net interest income. Interest rate spread is the difference between the yield on earning assets and the rate paid for interest-bearing liabilities that fund those assets. The net interest margin is expressed as the percentage of net interest income
to average earning assets. The net interest margin exceeds the interest rate spread because noninterest-bearing sources of funds (&#147;net free funds&#148;), principally noninterest-bearing demand deposits and shareholders&#146; equity, also
support earning assets. To compare tax-exempt asset yields to taxable yields, the yield on tax-exempt investment securities is computed on a taxable equivalent basis. Net interest income, interest rate spread, and net interest margin are discussed
on a taxable equivalent basis. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Federal Reserve influences the general market rates of interest, including the deposit and loan rates
offered by many financial institutions.&nbsp;Our loan portfolio is significantly affected by changes in the prime interest rate.&nbsp;The prime interest rate, which is the rate offered on loans to borrowers with strong credit, increased to 3.50% in
December&nbsp;2015 after remaining at 3.25% since 2008.&nbsp;At about the same time, the intended federal funds rate, which is the cost of immediately available overnight funds, increased to a range of 0.25% to 0.50% after remaining at zero to 0.25%
since 2008. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Net Interest Income and Net Interest Margin </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table reconciles interest income per the consolidated statements of income to interest income adjusted to a fully taxable
equivalent basis for the years ended December&nbsp;31 (in thousands): </P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="91%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest income per consolidated statements of income</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;105,450&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;101,055&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;98,931&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Adjustment to fully taxable equivalent basis</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,097&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,853&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,650&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest income adjusted to a fully taxable equivalent basis</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">108,547&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">103,908&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">101,581&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest expense per consolidated statements of income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,137&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,281&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,337&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net interest income on a taxable equivalent basis</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">98,410&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">96,627&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">94,244&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">During the second quarter of 2015, we used the proceeds of short-term Federal Home Loan Bank (&#147;FHLB&#148;)
advances to purchase high-quality investment securities of approximately $50 million. Our purchase of investment securities was comprised of mortgage-backed securities, U.S. Government agencies and sponsored enterprise bonds and tax-exempt municipal
bonds.&nbsp;All of the securities purchased were of high credit quality with a low to moderate duration. This strategy allowed us to increase net interest income by taking advantage of the positive interest rate spread between the FHLB advances and
the newly acquired investment securities. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Net interest income on a taxable equivalent basis for 2015 increased $1.8 million or 2%,
compared to 2014. The increase was due to an increase in average interest-earning assets of $241.4 million or 9% compared to 2014.&nbsp;The net interest margin was 3.28% for 2015 declined compared to 3.50% in 2014.&nbsp;This decrease was a function
of a 23 basis point decrease in interest rate spread to 3.19% during 2015, partially offset by a 1 basis point higher contribution from net free funds.&nbsp;The lower interest rate spread was a net result of a 14 basis point decrease in the yield on
earning assets and a 9 basis point increase in the cost of interest-bearing liabilities. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">For the year ended December 31, 2015, the yield
on average earning assets of 3.62% was 14 basis points lower than 2014.&nbsp;Loan yields decreased 17 basis points during 2015 to 4.21%.&nbsp;Commercial mortgage loan yields in particular, down 31 basis points, experienced lower yields because of
competitive pricing pressures in a low interest rate environment.&nbsp;The yield on investment securities increased 2 basis points during 2015 to 2.46%.&nbsp;Overall, the earning asset rate changes reduced interest income by $2.9 million during
2015, but that was more than offset by a favorable volume variance that increased interest income by $7.5 million, which collectively drove a $4.6 million increase in interest income. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Average interest-earning assets were $3.00 billion for 2015, an increase of $241.4 million or 9% from the prior year, with average loans up
$104.9 million and average securities up $136.5 million.&nbsp;Average loans were $1.99 billion for 2015, an increase of $104.9 million or 6% from the prior year.&nbsp;The growth in average loans reflected increases in most loan categories, with
commercial and consumer loans up $65.1 million and $49.4 million, respectively, partially offset by a $9.6 million decrease in residential mortgage loans.&nbsp;Loans made up 66.2% of average interest-earning assets during 2015 compared to 68.2%
during 2014. Loans generally have significantly higher yields compared to securities and federal funds sold and interest-bearing deposits and, as such, have a more positive effect on the net interest margin.&nbsp;The yield on average loans was 4.21%
for 2015, a decrease of 17 basis points compared to 4.38% for 2014.&nbsp;The yield on average loans was negatively impacted by lower average spreads due to increased competition in loan pricing during 2015 compared to 2014.&nbsp;The increase in the
volume of average loans resulted in a $4.3 million increase in interest income, partially offset by a $3.2 million decrease due to the unfavorable rate variance.&nbsp;Average securities were $1.01 billion for 2015, an increase of $136.5 million or
16% from the prior year.&nbsp;The growth in average securities was primarily a result of securities purchased with proceeds from our previously described leverage strategy and issuance of the Subordinated Notes.&nbsp;Securities made up 33.8% of
average interest-earning assets in 2015 compared to 31.8% in 2014.&nbsp;The yield on average securities was 2.46% in 2015 compared to 2.44% in 2014.&nbsp;The increase in the volume of average securities resulted in a $3.2 million increase in
interest income, coupled with a $268 thousand increase due to the favorable rate variance. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">For the year ended December&nbsp;31, 2015, the
cost of average interest-bearing liabilities of 0.43% was 9 basis points higher than 2014.&nbsp;The cost of average interest-bearing deposits increased 2 basis points to 0.35% and the cost of short-term borrowings increased 4 basis points to 0.41%
in 2015 compared to 2014.&nbsp;The cost of long-term borrowings for 2015 was 6.28% due to the issuance of the Subordinated Notes in April.&nbsp;Overall, interest-bearing liability rate and volume increases resulted in $2.9 million of higher interest
expense. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Average interest-bearing liabilities of $2.36 billion in 2015 were $198.8 million or 9% higher than 2014.&nbsp;On average,
interest-bearing deposits grew $156.4 million, while noninterest-bearing demand deposits (a principal component of net free funds) were up $53.4 million.&nbsp;The increase in average deposits was due in part to successful business development
efforts and an increase in deposits from our Certificate of Deposit Account Registry Service (&#147;CDARS&#148;) and Insured Cash Sweep (&#147;ICS&#148;) programs. For further discussion of the CDARS and ICS programs, refer to the &#147;Funding
Activities - Deposits&#148; section of this Management&#146;s Discussion and Analysis. Overall, interest-bearing deposit rate and volume changes resulted in $940 thousand of higher interest expense during 2015.&nbsp;Average short-term and long-term
borrowings were $290.4 million in 2015, $42.4 million higher than in 2014, with the majority of the increase related to the issuance of the previously mentioned Subordinated Notes. Overall, short and long-term borrowing rate and volume changes
resulted in $1.9 million of higher interest expense during 2015. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 36 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following tables present, for the periods indicated, information regarding: (i) the
average balance sheet; (ii) the amount of interest income from interest-earning assets and the resulting annualized yields (tax-exempt yields have been adjusted to a tax-equivalent basis using the applicable Federal tax rate in each year); (iii) the
amount of interest expense on interest-bearing liabilities and the resulting annualized rates; (iv) net interest income; (v) net interest rate spread; (vi) net interest income as a percentage of average interest-earning assets (&#147;net interest
margin&#148;); and (vii) the ratio of average interest-earning assets to average interest-bearing liabilities. Investment securities are at amortized cost for both held to maturity and available for sale securities. Loans include net unearned
income, net deferred loan fees and costs and non-accruing loans. Dollar amounts are shown in thousands. </P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
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<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="34" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Years ended December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>&nbsp;&nbsp;&nbsp;&nbsp;Average&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Average</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>&nbsp;&nbsp;&nbsp;&nbsp;Average&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Average</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Average</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Average</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Balance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;Interest&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Rate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Balance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;Interest&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Rate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Balance&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;Interest&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Rate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Interest-earning assets:</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal funds sold and other interest-earning deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.40%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">114</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.14%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">191</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.19%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment securities:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Taxable</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">727,564</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,123</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.22&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">617,738</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,304</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.15&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">601,146</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,541&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.09&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tax-exempt</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">286,607</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8,849</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3.09&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">259,935</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8,151</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3.14&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">233,067</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,572&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3.25&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total investment securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,014,171</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,972</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.46&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">877,673</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,455</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.44&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">834,213</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,113&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.41&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial business</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">286,019</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,774</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.12&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">269,877</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,471</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.25&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">256,236</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,311&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.41&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial mortgage</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">522,328</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">24,136</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4.62&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">473,372</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">23,345</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4.93&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">438,821</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">21,878&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4.99&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">97,651</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,460</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.57&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">107,254</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,122</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.78&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">123,277</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,174&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.01&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">396,906</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">15,262</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3.85&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">359,511</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">14,149</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3.94&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">304,868</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">12,446&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4.08&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer indirect</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">665,454</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,746</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.87&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">651,279</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,970</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.99&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">604,148</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,976&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.47&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other consumer</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">18,969</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,197</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">11.58&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">21,094</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,396</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">11.36&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">24,089</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,683&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">11.14&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,987,327</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83,575</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.21&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,882,387</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82,453</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.38&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,751,439</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81,468&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.65&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total interest-earning assets</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,001,535</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">108,547</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3.62&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,760,174</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">103,908</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3.76&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,585,843</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">101,581&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3.93&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Less:&nbsp;Allowance for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,599</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,455</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other noninterest-earning assets</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">295,954</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">261,885</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">243,982</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,269,890</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,994,604</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,803,825</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Interest-bearing liabilities:</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deposits:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing demand</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">543,690</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">754</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.14&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">504,584</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">607</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.12&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">488,047</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">729&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.15&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Savings and money market</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">908,614</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,166</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.13&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">783,784</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">913</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.12&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">727,737</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">978&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.13&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Time deposits</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">616,747</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">5,386</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.87&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">624,299</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,846</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.78&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">621,455</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,893&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.79&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total interest-bearing deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,069,051</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,306</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.35&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,912,667</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.33&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,837,239</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,600&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.36&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Short-term borrowings</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">262,494</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,081</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.41&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">247,956</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">915</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.37&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">190,310</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">737&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.39&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Long-term borrowings</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,886</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.28&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total borrowings</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">290,380</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,831</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.98&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">247,956</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">915</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.37&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">190,310</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">737&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.39&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total interest-bearing liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,359,431</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,137</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.43&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,160,623</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,281</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.34&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,027,549</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,337&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.36&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest-bearing deposits</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">599,334</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">545,904</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">509,383</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,418</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,203</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,207</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Shareholders&#146; equity</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">289,707</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">271,874</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">252,686</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities and shareholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,269,890</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,994,604</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,803,825</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net interest income (tax-equivalent)</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">98,410</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">96,627</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">94,244&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest rate spread</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.19%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.42%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.57%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net earning assets</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">642,104</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">599,551</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">558,294</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net interest margin (tax-equivalent)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.28%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.50%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.64%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ratio of average interest-earning assets to average interest-bearing liabilities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">127.21%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">127.75%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">127.54%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The net interest spread, as well as the net interest margin, will be impacted by future changes in short-term
and long-term interest rate levels, as well as the impact from the competitive environment. A discussion of the effects of changing interest rates on net interest income is set forth in Item 7A. Quantitative and Qualitative Disclosures About Market
Risk included elsewhere in this report. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 37 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Rate /Volume Analysis </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table presents, on a tax-equivalent basis, the relative contribution of changes in volumes and changes in rates to changes in net
interest income for the periods indicated.&nbsp;The change in interest not solely due to changes in volume or rate has been allocated in proportion to the absolute dollar amounts of the change in each (in thousands): </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="75%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="11" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Change&nbsp;from&nbsp;2015&nbsp;to&nbsp;2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="11" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Change&nbsp;from&nbsp;2014&nbsp;to&nbsp;2013</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><B>Increase (decrease) in:</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Volume&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Rate&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Volume&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Rate&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Interest income:</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment securities:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Taxable</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,424</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">395</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,819</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">351</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">412</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">763</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tax-exempt</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">825</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(127</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">698</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">850</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(271</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">579</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total investment securities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,249</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">268</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,517</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,201</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">141</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,342</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial business</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">672</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(369</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">303</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">589</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(429</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">160</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,320</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,529</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">791</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,706</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(239</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,467</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential mortgage</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(446</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(216</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(662</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(775</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(277</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,052</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,444</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(331</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,113</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,164</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(461</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,703</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer indirect</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">558</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(782</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(224</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,009</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(3,015</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,006</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other consumer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(245</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(199</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(339</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(287</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total loans</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,303</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(3,181</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,122</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">5,354</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(4,369</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">985</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Total interest income</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>7,552</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(2,913</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>4,639</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>6,555</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(4,228</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,327</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Interest expense:</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deposits:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing demand</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">49</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">98</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">147</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">24</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(146</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(122</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Savings and money market</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">154</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">99</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">253</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(136</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(65</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Time deposits</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(60</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">600</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">540</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(69</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(47</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total interest-bearing deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">143</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">797</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">940</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">117</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(351</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(234</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Short-term borrowings</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">56</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">110</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">166</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">214</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(36</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">178</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Long-term borrowings</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">875</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">875</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total borrowings</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">931</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">985</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,916</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">214</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(36</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">178</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Total interest expense</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,074</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>1,782</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>2,856</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>331</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(387</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>(56</B></TD>
<TD NOWRAP VALIGN="bottom"><B>)&nbsp;</B></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Net interest income</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;$</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right"><B>6,478</B></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;$</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right"><B>(4,695</B></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;$</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right"><B>1,783</B></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;$</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right"><B>6,224</B></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;$</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right"><B>(3,841</B></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"><B>)&nbsp;</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;$</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right"><B>2,383</B></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="margin-top:16pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Provision for Loan Losses </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The provision for loan losses is based upon credit loss experience, growth or contraction of specific segments of the loan portfolio, and the
estimate of losses inherent in the current loan portfolio.&nbsp;The provision for loan losses was $7.4 million for the year ended December&nbsp;31, 2015 compared with $7.8 million for 2014.&nbsp;See the &#147;Allowance for Loan Losses&#148; section
of this Management&#146;s Discussion and Analysis for further discussion. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 38 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Noninterest Income </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table summarizes our noninterest income for the years ended December&nbsp;31 (in thousands): </P>
<P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="88%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Service charges on deposits</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,742</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8,954</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9,948</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Insurance income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,166</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,399</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">262</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ATM and debit card</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">5,084</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,963</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">5,098</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment advisory</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,193</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,138</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,345</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company owned life insurance</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,962</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,753</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,706</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investments in limited partnerships</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">895</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,103</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">857</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loan servicing</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">503</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">568</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">570</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net gain on sale of loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">249</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">313</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">117</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net gain on disposal of investment securities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,988</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,041</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,226</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net gain (loss) on sale and disposal of other assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(103</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amortization of tax credit investment</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(390</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(2,323</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,918</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,372</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,807</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total noninterest income</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;30,337</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;25,350</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;24,833</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Service charges on deposits were $7.7 million for 2015, a decrease of $1.2 million or 14%, compared to
2014.&nbsp;The decrease was primarily due to a decrease in the amount of checking account overdraft activity. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Insurance income increased
by $2.8 million to $5.2 million during 2015.&nbsp;The increase reflects the contributions from SDN, which was acquired at the beginning of August last year as part of our strategy to diversify business lines and increase noninterest income through
additional fee-based services. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Company owned life insurance increased by $209 thousand or 12% in 2015.&nbsp;The increase was primarily due
to new policies purchased during the third and fourth quarters of 2014. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We have investments in limited partnerships, primarily small
business investment companies, and account for these investments under the equity method.&nbsp;Income from investments in limited partnerships was $895 thousand and $1.1 million for the years ended December&nbsp;31, 2015 and 2014,
respectively.&nbsp;The income from these equity method investments fluctuates based on the performance of the underlying investments. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">During the year ended December&nbsp;31, 2015 we recognized gains of $2.0 million from the sale of AFS securities with an amortized cost
totaling $52.3 million.&nbsp;The securities sold were comprised of 5 agency securities and 13 mortgage backed securities.&nbsp;During the year ended December&nbsp;31, 2014 we recognized gains of $2.0 million from the sale of AFS securities with an
amortized cost totaling $79.6 million.&nbsp;The amount and timing of our sale of investments securities is dependent on a number of factors, including our efforts to realize gains while prudently managing duration, premium and credit risk. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We recognized $390 thousand and $2.3 million for the years ended December&nbsp;31, 2015 and 2014, respectively, of amortization of a historic
tax investment in a community-based project.&nbsp;The amortization was included in noninterest income, recorded as contra-income, with an offsetting tax benefit that reduced income tax expense.&nbsp;These types of investments are, for the most part,
fully amortized in the first year the project is placed in service. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Other noninterest income increased $1.5 million for the year ended
December&nbsp;31, 2015, compared to 2014.&nbsp;Included in other noninterest income is a $1.1 million non-cash fair value adjustment of the contingent consideration liability related to the SDN acquisition.&nbsp;For additional discussion related to
the fair value adjustment of the contingent consideration liability see Note 2, Business Combinations, of the notes to consolidated financial statements. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 39 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Noninterest Expense </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table summarizes our noninterest expense for the years ended December&nbsp;31 (in thousands): </P>
<P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="88%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Salaries and employee benefits</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">42,439</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">38,595</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">37,828</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Occupancy and equipment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,829</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Professional services</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,502</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,760</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,836</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Computer and data processing</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,186</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,016</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,848</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Supplies and postage</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,155</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,053</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,342</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FDIC assessments</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,719</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,592</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,464</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Advertising and promotions</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,120</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">805</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">896</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Goodwill impairment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">751</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9,665</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8,705</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,861</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total noninterest expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;79,393</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;72,355</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;69,441</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Salaries and employee benefits increased by $3.8 million or 10% when comparing 2015 to
2014.&nbsp;&nbsp;&nbsp;&nbsp;An increase of $3.1 million in salaries expense was primarily due to the full year impact of the addition of employees from SDN and increased staffing associated with our expansion initiatives.&nbsp;An increase of $757
thousand in employee benefits was primarily due to higher expense related to our defined benefit plans and payroll-related taxes.&nbsp;We recognized a combined net periodic pension and post-retirement expense of $731 thousand during 2015 compared to
$222 thousand during 2014.&nbsp;The number of full time equivalent employees increased to 660 at December&nbsp;31, 2015 from 622 at December&nbsp;31, 2014. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Occupancy and equipment increased by $1.0 million or 8% when comparing 2015 to 2014.&nbsp;The increase was primarily related to higher
contractual service expenses and incremental expenses from the SDN facility. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Professional services expense of $4.5 million in 2015
decreased $258 thousand or 5% from 2014. The prior year included additional expense for professional services associated with the acquisition of SDN. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Computer and data processing increased by $170 thousand or 6% when comparing 2015 to 2014.&nbsp;We continue to see an increase in this area due
to ongoing regulatory compliance and information technology projects. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Advertising and promotions expense increased by $315 thousand when
comparing 2015 to 2014. The increase is primarily attributable to additional marketing services, including branding initiatives and the opening of our new CityGate branch in Rochester, NY.&nbsp;We proactively market our products but vary the timing
based on projected benefits and needs. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">FDIC assessments increased $127 thousand or 8% for the year ended December 31, 2015 compared to
2014.&nbsp;&nbsp;&nbsp;&nbsp;The increase in assessments is a direct result of the growth in our balance sheet. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We recognized $751
thousand of goodwill impairment in the fourth quarter of 2015 related to the SDN acquisition.&nbsp;For additional discussion related to the goodwill impairment see Note 7, Goodwill and Other Intangible Assets, of the notes to consolidated financial
statements. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Other noninterest expense increased $960 thousand or 11% when comparing 2015 to 2014.&nbsp;&nbsp;&nbsp;&nbsp;The increase was
largely due to higher intangible asset amortization and other incremental expenses due to the full year impact of SDN. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The efficiency
ratio for the year ended December&nbsp;31, 2015 was 61.58% compared with 58.59% for 2014.&nbsp;The efficiency ratio is calculated by dividing total noninterest expense, excluding other real estate expense and amortization and impairment of goodwill
and other intangible assets, by net revenue, defined as the sum of tax-equivalent net interest income and noninterest income before net gains on investment securities, adjustments to contingent liabilities and amortizations of tax credit
investment.&nbsp;The broadening of our financial services and accompanying increased spending has resulted in a shift in our efficiency ratio as a measure of productivity.&nbsp;As we begin to provide more diversified financial services our
efficiency ratio is expected to be in the low 60% range.&nbsp;This approach will decrease our sensitivity to traditional banking revenues which are subject to interest rate changes. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 40 - </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Income Taxes </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We recorded income tax expense of $10.5 million for 2015, compared to $9.6 million for 2014.&nbsp;Our effective tax rate was 27.1% for 2015
compared to 24.7% for 2014.&nbsp;Effective tax rates are impacted by items of income and expense that are not subject to federal or state taxation.&nbsp;Our effective tax rates reflect the impact of these items, which include, but are not limited
to, interest income from tax-exempt securities and earnings on company owned life insurance.&nbsp;In addition, the lower effective tax rate in 2014 reflects the previously mentioned historic tax credit benefit. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In March&nbsp;2014, the New York legislature approved changes in the state tax law to be phased-in over two years, beginning in 2015. The
primary changes that impact us include the repeal of the Article 32 franchise tax on banking corporations (&#147;Article 32&#148;) for 2015, expanded nexus standards for 2015 and a reduction in the corporate tax rate for 2016. We expect the repeal
of Article 32 and the expanded nexus standards to lower our taxable income apportioned to New York in 2015 compared to 2014. In addition, the New York state income tax rate will be reduced from 7.1% to 6.5% in 2016. </P>
<P STYLE="margin-top:26pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>RESULTS OF OPERATIONS FOR THE YEARS ENDED </I></B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>DECEMBER&nbsp;31, 2014 AND DECEMBER&nbsp;31, 2013 </I></B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Net Interest Income and Net Interest Margin </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Net interest income was $93.8 million in 2014, compared to $91.6 million in 2013.&nbsp;The taxable equivalent adjustments of $2.8 million and
$2.6 million for 2014 and 2013, respectively, resulted in fully taxable equivalent net interest income of $96.6 million in 2014 and $94.2 million in 2013. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">During the first quarter of 2014, we utilized the proceeds of short-term Federal Home Loan Bank (&#147;FHLB&#148;) advances to purchase
investment securities of approximately $50 million (the &#147;2014 leverage strategy&#148;). During the second quarter of 2014 we sold approximately $42 million of securities purchased in the first quarter and utilized the proceeds to fund growth in
our home equity portfolio. During the third quarter of 2014, we utilized the proceeds of short-term FHLB advances to purchase an additional $25 million of investment securities. Our purchases of investment securities were comprised of high-quality
mortgage-backed securities, U.S. Government agencies and sponsored enterprise bonds and tax-exempt municipal bonds.&nbsp;All of the securities purchased were of high credit quality with a low to moderate duration. This strategy allowed us to
increase net interest income by taking advantage of the positive interest rate spread between the FHLB advances and the newly acquired investment securities. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Taxable-equivalent net interest income for 2014 increased $2.4 million or 3%, compared to 2013. The increase primarily related to an increase
in the average volume of interest-earning assets. The average volume of interest-earning assets for 2014 increased $174.3 million or 7% compared to 2013. The increase in earning assets was primarily due to a $130.9 million increase in average loans
and a $43.5 million increase in average investment securities. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The net interest margin for 2014 was 3.50% compared to 3.64% in
2013.&nbsp;The net interest margin during 2014 was positively impacted by an increase in the yield on average securities, which resulted from an increase in the relative proportion of higher-yielding tax-exempt municipal securities relative to
lower-yielding taxable securities, combined with a decrease in the cost of average interest-bearing liabilities. The net interest margin was negatively impacted by a decrease in the average yield on loans. These items are more fully discussed below.
The yield on average interest-earning assets decreased 17 basis points to 3.76% during 2014 from 3.93% during 2013 while the cost of average interest-bearing liabilities decreased 2 basis points from 0.36% during 2013 to 0.34% during 2014. The yield
on average interest-earning assets is primarily impacted by changes in market interest rates as well as changes in the volume and relative mix of interest-earning assets. As stated above, market interest rates have remained at historically low
levels during the reported periods. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The average balance of securities increased $43.5 million or 5% in 2014, compared to
2013.&nbsp;Securities made up 31.8% of average interest-earning assets in 2014 compared to 32.3% in 2013.&nbsp;The yield on average securities was 2.44% in 2014 compared to 2.41% in 2013.&nbsp;The yield on average securities increased 3 basis points
during 2014 compared to 2013 as we increased the relative proportion of investments held in higher-yielding, tax-exempt municipal securities.&nbsp;The relative proportion of higher-yielding, tax-exempt municipal securities to total average
securities totaled 29.6% in 2014 compared to 27.9% in 2013.&nbsp;The yield on average taxable securities was 2.15% in 2014 compared to 2.09% in 2013, while the taxable-equivalent yield on average tax-exempt securities was 3.14% in 2014 compared to
3.25% in 2013. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The average volume of loans increased $130.9 million or 7% in 2014, compared to 2013.&nbsp;Loans made up 68.2% of average
interest-earning assets during 2014 compared to 67.7% during 2013.&nbsp;Loans generally have significantly higher yields compared to securities and federal funds sold and interest-bearing deposits and, as such, have a more positive effect on the net
interest margin. The yield on average loans was 4.38% during 2014 compared to 4.65% during 2013. The yield on average loans decreased 27 basis points during 2014 compared to 2013.&nbsp;The yield on average loans was negatively impacted by lower
average spreads due to increased competition in loan pricing during 2014 compared to 2013. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 41 - </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Average deposits increased $111.9 million or 5% in 2014, compared to 2013.&nbsp;Average
interest-bearing deposits increased $75.4 million in 2014 compared to 2013, while average non-interest-bearing deposits increased $36.5 million in 2014 compared to 2013.&nbsp;The ratio of average interest-bearing deposits to total average deposits
was 77.8% in 2014 compared to 78.3% in 2013. The cost of average interest-bearing deposits was 0.33% in 2014 compared to 0.36% in 2013.&nbsp;The decrease in the average cost of interest-bearing deposits during the comparable periods was primarily
the result of decreases in interest rates offered on certain deposit products due to the low interest rate environment. Additionally, the relative proportion of higher-cost time deposits to total average interest-bearing deposits decreased to 32.6%
in 2014 from 33.8% in 2013. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Provision for Loan Losses </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The provision for loan losses was $7.8 million for the year ended December&nbsp;31, 2014 compared with $9.1 million for 2013. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Noninterest Income </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Service charges on
deposits were $9.0 million for 2014, a decrease of $1.0 million or 10%, compared to 2013.&nbsp;Service charges on deposit accounts for 2013 reflected a retail checking account repositioning that involved simplifying the suite of products offered to
customers and modifications to the fee structure for our accounts. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">ATM and debit card income for 2014 decreased $135 thousand or 3%
compared to 2013.&nbsp;The decrease is primarily attributable to lower transaction volumes due to card reissuances associated with third-party security breaches. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Insurance income of $2.4 million for 2014 was up $2.1 million from 2013, reflecting 5 months of income from the SDN acquisition.</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Investment advisory income was $2.1 million for 2014, down $207 thousand or 9%, compared to 2013, as fees and commissions fluctuate with sales
volume.&nbsp;Sales volume during 2014 was negatively impacted by a longer-than-anticipated conversion to a new clearing platform that began in late 2013. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Income from investments in limited partnerships was $1.1 million and $857 thousand for the years ended December&nbsp;31, 2014 and 2013,
respectively. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Gains from the sale of loans held for sale increased $196 thousand in 2014 compared to 2013.&nbsp;The increase was primarily
due to higher margins due to the timing of sales and fluctuation of interest rates during the year. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">During the year ended
December&nbsp;31, 2014 we recognized gains of $2.0 million from the sale of AFS securities with an amortized cost totaling $79.6 million.&nbsp;The securities sold were comprised of one pooled trust preferred security, three mortgage backed
securities and 20 agency securities.&nbsp;During 2013, we recognized gains totaling $1.2 million from the sale of four pooled trust-preferred securities. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">During the fourth quarter of 2014 we recorded $2.3 million for the amortization, recognized as contra-income, of a historic tax investment in a
community-based project. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Other noninterest income increased $565 thousand or 20% for the year ended December&nbsp;31, 2014, compared to
2013.&nbsp;Merchant services income, dividends on FHLB stock and credit card correspondent income comprised the majority of the year-over-year increases. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Noninterest Expense </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Salaries and
employee benefits increased by $767 thousand or 2% when comparing 2014 to 2013.&nbsp;&nbsp;&nbsp;&nbsp;An increase of $1.5 million in salaries expense was primarily due to the acquisition of SDN and the hiring of additional loan officers, partially
offset by a decrease in severance expense.&nbsp;A decrease of $765 thousand in employee benefits was primarily due to lower expense related to our defined benefit retirement plan, partially offset by higher medical expenses. We recognized a combined
net periodic pension and post-retirement expense of $222 thousand during 2014 compared to $1.7 million during 2013.&nbsp;The number of full time equivalent employees increased to 622 at December&nbsp;31, 2014 from 608 at December&nbsp;31, 2013. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Occupancy and equipment increased by $463 thousand or 4% when comparing 2014 to 2013.&nbsp;The increase was primarily related to higher
contractual service expenses and incremental expenses from the SDN facility. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Professional services expense of $4.8 million in 2014
increased $924 thousand or 24% from 2013. The increases were largely due to professional services associated with the acquisition of SDN, the hiring of additional loan officers and related personnel as part of our expansion initiatives and other
special projects. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Computer and data processing increased by $168 thousand or 6% when comparing 2014 to 2013.&nbsp;During late 2013, we
ceased operations of our broker-dealer subsidiary and transferred the existing business to an outsourced clearing platform, resulting in higher third-party processing expense. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 42 - </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Supplies and postage and advertising and promotions expense decreased, collectively, by $380
thousand when comparing 2014 to 2013.&nbsp;The prior year amounts included expenses for additional print materials related to our retail checking account repositioning incurred during the first quarter of 2013. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">FDIC assessments increased $128 thousand or 9% for the year ended December 31, 2014, compared to 2013.&nbsp;&nbsp;&nbsp;&nbsp;The increase in
assessments is a direct result of the growth in our balance sheet. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Other noninterest expense increased $844 thousand or 11% when comparing
2014 to 2013.&nbsp;&nbsp;&nbsp;&nbsp;The increase was largely due to higher intangible asset amortization due to the SDN acquisition, combined with an increase in electronic banking activities and deposit expenses. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The efficiency ratio for the year ended December&nbsp;31, 2014 was 58.59% compared with 58.48% for 2013. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Income Taxes </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We recorded income tax
expense of $9.6 million for 2014, compared to of $12.4 million for 2013.&nbsp;Our effective tax rate was 24.7% for 2014 compared to 32.7% for 2013.&nbsp;The lower effective tax rate in 2014 reflects the historic tax credit benefit described above
combined with New York State tax savings generated by our real estate investment trust, which became effective during February&nbsp;2014 and is discussed below. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">During February&nbsp;2014, the Bank formed a wholly-owned subsidiary, Five Star REIT, Inc. (the &#147;REIT&#148;), to acquire a portion of the
Bank&#146;s assets, which were primarily qualifying mortgage related&nbsp;loans.&nbsp;The Bank made an initial contribution of mortgage related loans to the REIT in return for common stock of the REIT. The REIT has and expects to continue purchasing
mortgage related loans from the Bank on a periodic basis going forward.&nbsp;The REIT entered into service agreements with the Bank for administrative and investment services. The formation of the REIT reduced 2014 tax expense by approximately $950
thousand. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 43 - </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>ANALYSIS OF FINANCIAL CONDITION </I></B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>OVERVIEW </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">At December&nbsp;31, 2015, we
had total assets of $3.38 billion, an increase of 9% from $3.09 billion as of December&nbsp;31, 2014, largely attributable to our continued loan growth and higher investment security balances.&nbsp;Net loans were $2.06 billion as of
December&nbsp;31, 2015, up $172.3 million or 9%, when compared to $1.88 billion as of December&nbsp;31, 2014.&nbsp;The increase in net loans was primarily attributable to organic growth in the commercial portfolio.&nbsp;Non-performing assets totaled
$8.6 million as of December&nbsp;31, 2015, down $1.7 million from a year ago. Total deposits amounted to $2.73 billion as of December&nbsp;31, 2015, up $280.0 million or 11%, compared to December&nbsp;31, 2014. As of December&nbsp;31, 2015, borrowed
funds totaled $332.1 million, compared to $334.8 million as of December&nbsp;31, 2014. Common book value per common share was $19.49 and $18.57 as of December&nbsp;31, 2015 and 2014, respectively. As of December&nbsp;31, 2015 our total
shareholders&#146; equity was $293.8 million compared to $279.5 million a year earlier. </P> <P STYLE="margin-top:20pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>INVESTING ACTIVITIES </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table summarizes the composition of our available for sale and held to maturity security portfolios (in thousands). </P>
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<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Investment Securities Portfolio Composition</B><br><B>At December&nbsp;31,</B></TD>
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<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
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<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair</B><br><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Value&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Amortized&nbsp;&nbsp;</B><br><B>Cost</B></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair</B><br><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Value&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Amortized&nbsp;&nbsp;</B><br><B>Cost</B></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair</B><br><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Value&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
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<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Securities available for sale:</B></P></TD>
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<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">U.S. Government agency and <FONT STYLE="white-space:nowrap">government-sponsored</FONT> enterprise securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">260,748&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">260,863&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">160,334&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">160,475&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">135,840&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">134,452&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Agency mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">282,873&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">282,505&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">458,959&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">460,570&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">482,308&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">473,082&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Non-Agency mortgage-backed securities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">809&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,218&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,467&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Asset-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">218&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">231&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">399&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total available for sale securities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">543,621&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">544,395&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">619,293&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">622,494&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">618,166&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">609,400&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Securities held to maturity:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State and political subdivisions</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">294,423&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">300,981&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">277,273&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">281,384&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">249,785&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">250,657&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">191,294&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">189,083&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,165&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,311&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total held to maturity securities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">485,717&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">490,064&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">294,438&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">298,695&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">249,785&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">250,657&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total investment securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;1,029,338&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;1,034,459&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;913,731&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;921,189&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;867,951&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;860,057&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our investment policy is contained within our overall Asset-Liability Management and Investment
Policy.&nbsp;This policy dictates that investment decisions will be made based on the safety of the investment, liquidity requirements, potential returns, cash flow targets, need for collateral and desired risk parameters.&nbsp;In pursuing these
objectives, we consider the ability of an investment to provide earnings consistent with factors of quality, maturity, marketability, pledgeable nature and risk diversification.&nbsp;Our Treasurer, guided by ALCO, is responsible for investment
portfolio decisions within the established policies. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">During the years ended December&nbsp;31, 2015 and 2014, we transferred $165.2 million
and $12.8 million, respectively, of available for sale (&#147;AFS&#148;) mortgage backed securities to the held to maturity (&#147;HTM&#148;) category, reflecting our intent to hold those securities to maturity. Transfers of investment securities
into the held to maturity category from the available for sale category are made at fair value at the date of transfer. The related $1.1 million and $51 thousand of unrealized holding losses that were included in the transfers during the years ended
December&nbsp;31, 2015 and 2014, respectively, are retained in accumulated other comprehensive income and in the carrying value of the held to maturity securities. These amounts will be amortized as an adjustment to interest income over the
remaining life of the securities. This will offset the impact of amortization of the net premium created in the transfers. There were no gains or losses recognized as a result of this transfer. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our AFS investment securities portfolio decreased $78.1 million to $544.4 million at December&nbsp;31, 2015 from $622.5 million at
December&nbsp;31, 2014.&nbsp;The decrease was due to the transfer of securities from the AFS portfolio to the HTM portfolio described above. Our AFS portfolio had a net unrealized gain totaling $774 thousand at December&nbsp;31, 2015 compared to a
net unrealized gain of $3.2 million at December&nbsp;31, 2014.&nbsp;The fair value of most of the investment securities in the AFS portfolio fluctuates as market interest rates change.&nbsp;The transfers of securities from AFS to HTM are expected to
reduce the fair value fluctuations in the available for sale portfolio. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">During the year ended December&nbsp;31, 2015, we recognized gains
of $2.0 million from the sale of AFS securities with an amortized cost totaling $52.3 million.&nbsp;The securities sold were comprised of 5 agency securities and 13 mortgage backed securities. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 44 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Impairment Assessment </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We review investment securities on an ongoing basis for the presence of other-than-temporary impairment (&#147;OTTI&#148;) with formal reviews
performed quarterly. Declines in the fair value of held to maturity and available for sale securities below their cost that are deemed to be other than temporary are reflected in earnings as realized losses to the extent the impairment is related to
credit losses or the security is intended to be sold or will be required to be sold.&nbsp;The amount of the impairment related to non-credit related factors is recognized in other comprehensive income.&nbsp;Evaluating whether the impairment of a
debt security is other than temporary involves assessing i.) the intent to sell the debt security or ii.) the likelihood of being required to sell the security before the recovery of its amortized cost basis.&nbsp;In determining whether the OTTI
includes a credit loss, we use our best estimate of the present value of cash flows expected to be collected from the debt security considering factors such as: a.) the length of time and the extent to which the fair value has been less than the
amortized cost basis, b.) adverse conditions specifically related to the security, an industry, or a geographic area, c.) the historical and implied volatility of the fair value of the security, d.) the payment structure of the debt security and the
likelihood of the issuer being able to make payments that increase in the future, e.) failure of the issuer of the security to make scheduled interest or principal payments, f.) any changes to the rating of the security by a rating agency, and g.)
recoveries or additional declines in fair value subsequent to the balance sheet date. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">As of December&nbsp;31, 2015, we do not have the
intent to sell any of our securities in a loss position and we believe that it is not likely that we will be required to sell any such securities before the anticipated recovery of amortized cost.&nbsp;The unrealized losses are largely due to
increases in market interest rates over the yields available at the time the underlying securities were purchased.&nbsp;The fair value is expected to recover as the bonds approach their maturity date, repricing date or if market yields for such
investments decline.&nbsp;We do not believe any of the securities in a loss position are impaired due to reasons of credit quality. Accordingly, as of December&nbsp;31, 2015, we concluded that unrealized losses on our investment securities are
temporary and no further impairment loss has been realized in our consolidated statements of income.&nbsp;The following discussion provides further details of our assessment of the securities portfolio by investment category. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>U.S. Government Agencies and Government Sponsored Enterprises (&#147;GSE&#148;).&nbsp;&nbsp;&nbsp;</B>As of December&nbsp;31, 2015, there
were 29 securities in an unrealized loss position in the U.S. Government agencies and GSE portfolio with unrealized losses totaling $1.0 million.&nbsp;Of these, 6 were in an unrealized loss position for 12 months or longer and had an aggregate fair
value of $26.3 million and unrealized losses of $314 thousand. The decline in fair value is attributable to changes in interest rates, and not credit quality, and because we do not have the intent to sell these securities and it is likely that we
will not be required to sell the securities before their anticipated recovery, we do not consider these securities to be other-than-temporarily impaired at December&nbsp;31, 2015. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>State and Political Subdivisions.</B><B>&nbsp;&nbsp;&nbsp;</B>As of December&nbsp;31, 2015, the state and political subdivisions
(&#147;municipal securities&#148;) portfolio totaled $294.4 million, all of which was classified as HTM. As of that date, each of the 7 municipal securities in an unrealized loss position had been in an unrealized loss position for less than 12
months.&nbsp;Those securities had an aggregate fair value of $3.1 million and unrealized losses totaling $4 thousand. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The decline in fair
value is attributable to changes in interest rates, and not credit quality, and because we do not have the intent to sell these securities and it is not likely that we will be required to sell the securities before their anticipated recovery, we do
not consider these securities to be other-than-temporarily impaired at December&nbsp;31, 2015. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Agency Mortgage-backed
Securities.</B><B>&nbsp;&nbsp;&nbsp;&nbsp;</B>With the exception of the non-Agency mortgage-backed securities (&#147;non-Agency MBS&#148;) discussed below, all of the mortgage-backed securities held by us as of December&nbsp;31, 2015, were issued by
U.S. Government sponsored entities and agencies (&#147;Agency MBS&#148;), primarily FNMA and FHLMC.&nbsp;The contractual cash flows of our Agency MBS are guaranteed by FNMA, FHLMC or GNMA.&nbsp;The GNMA mortgage-backed securities are backed by the
full faith and credit of the U.S. Government. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">As of December&nbsp;31, 2015, there were 52 securities in the AFS Agency MBS portfolio that
were in an unrealized loss position.&nbsp;Of these, 4 were in an unrealized loss position for 12 months or longer and had an aggregate fair value of $9.6 million and unrealized losses of $199 thousand.&nbsp;As of December&nbsp;31, 2015, each of the
64 securities in the HTM Agency MBS portfolio that were in an unrealized loss position had been in an unrealized loss position for less than 12 months.&nbsp;Those securities had an aggregate fair value of $164.3 million and unrealized losses
totaling $2.3 million. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Given the high credit quality inherent in Agency MBS, we do not consider any of the unrealized losses as of
December&nbsp;31, 2015 on such MBS to be credit related or other-than-temporary.&nbsp;As of December&nbsp;31, 2015, we did not intend to sell any Agency MBS that were in an unrealized loss position, all of which were performing in accordance with
their terms. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Non-Agency Mortgage-backed Securities.</B><B>&nbsp;&nbsp;</B>Our non-Agency MBS portfolio consists of positions in two
privately issued whole loan collateralized mortgage obligations with a fair value and net unrealized gains of $809 thousand as of December&nbsp;31, 2015.&nbsp;As of that date, each of the two non-Agency MBS were rated below investment
grade.&nbsp;None of these securities were in an unrealized loss position. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Asset-backed Securities (&#147;ABS&#148;).&nbsp;&nbsp;</B>Our
ABS portfolio consisted of one security with a fair value and unrealized gain of $218 thousand as of December&nbsp;31, 2015.&nbsp;As of December&nbsp;31, 2015, the ABS security was rated below investment grade. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 45 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Other Investments.&nbsp;&nbsp;</B>As<B> </B>a member of the FHLB, the Bank is required to
hold FHLB stock. The amount of required FHLB stock is based on the Bank&#146;s asset size and the amount of borrowings from the FHLB. We have assessed the ultimate recoverability of our FHLB stock and believe that no impairment currently exists. As
a member of the FRB system, we are required to maintain a specified investment in FRB stock based on a ratio relative to our capital. At December&nbsp;31, 2015, our ownership of FHLB and FRB stock totaled $15.1 million and $4.9 million, respectively
and is included in other assets and recorded at cost, which approximates fair value. </P> <P STYLE="margin-top:20pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>LENDING ACTIVITIES </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Total loans were $2.08 billion at December&nbsp;31, 2015, an increase of $171.8 million or 9% from December&nbsp;31, 2014.&nbsp;Commercial
loans increased $7.5 million and represented 38.9% of total loans at the end of 2014.&nbsp;Residential mortgage loans were $100.1 million, down $12.9 million or 11% and represented 5.2% of total loans at December&nbsp;31, 2014, while consumer loans
increased $83.9 million to represent 55.9% of total loans at December&nbsp;31, 2014.&nbsp;The composition of our loan portfolio, excluding loans held for sale and including net unearned income and net deferred fees and costs, is summarized as
follows (in thousands): </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="70%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:17pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:17pt"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:14pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:14pt"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:17pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:17pt"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:14pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:14pt"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:17pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:17pt"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:14pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:14pt"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:17pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:17pt"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:14pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:14pt"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:17pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:17pt"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:14pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:14pt"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="49" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Loan Portfolio Composition</B><br><B>At December&nbsp;31,</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2011</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Percent</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Percent</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Percent</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Percent</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Percent</B></TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial business</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">313,758</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.0</TD>
<TD NOWRAP VALIGN="bottom">%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">267,409</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.0</TD>
<TD NOWRAP VALIGN="bottom">%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">265,766</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.5</TD>
<TD NOWRAP VALIGN="bottom">%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">258,675</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.2</TD>
<TD NOWRAP VALIGN="bottom">%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">233,836</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.7</TD>
<TD NOWRAP VALIGN="bottom">%</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Commercial&nbsp;mortgage</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="right">566,101&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="right" STYLE="border-bottom:1.00px solid #000000">27.2&nbsp;&nbsp;&nbsp;<FONT STYLE="font-size:4pt">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="right">475,092&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="right">24.9&nbsp;&nbsp;&nbsp;<FONT STYLE="font-size:4pt">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="right">469,284&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="right">25.6&nbsp;&nbsp;&nbsp;<FONT STYLE="font-size:4pt">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="right">413,324&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="right">24.2&nbsp;&nbsp;&nbsp;<FONT STYLE="font-size:4pt">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="right">393,244&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="right">26.5&nbsp;&nbsp;&nbsp;<FONT STYLE="font-size:4pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total commercial</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">879,859</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">42.2</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">742,501</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">38.9</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">735,050</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">40.1</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">671,999</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">39.4</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">627,080</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">42.2</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">98,309</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100,101</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">113,045</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">133,520</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">113,911</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">410,112</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">19.7</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">386,615</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">20.2</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">326,086</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">17.8</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">286,649</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">16.8</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">231,766</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">15.6</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer indirect</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">676,940</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">661,673</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">636,368</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">586,794</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">487,713</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other consumer</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">18,542</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.9</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">21,112</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1.1</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">23,070</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1.2</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">26,764</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1.6</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">24,306</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1.6</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total consumer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,105,594</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,069,400</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">985,524</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">900,207</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">743,785</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total loans</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,083,762</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">100.0</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,912,002</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">100.0</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,833,619</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">100.0</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,705,726</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">100.0</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,484,776</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">100.0</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">%</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,085</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,637</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,736</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,714</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23,260</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total loans, net</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;2,056,677</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;1,884,365</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;1,806,883</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;1,681,012</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;1,461,516</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Commercial loans increased during 2015 as we continued our commercial business development efforts.&nbsp;The
credit risk related to commercial loans is largely influenced by general economic conditions and the resulting impact on a borrower&#146;s operations or on the value of underlying collateral. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We participate in various lending programs in which guarantees are supplied by U.S. government agencies, such as the SBA, U.S. Department of
Agriculture, Rural Economic and Community Development and Farm Service Agency, among others.&nbsp;As of December&nbsp;31, 2015, the principal balance of such loans (included in commercial loans) was $54.3 million and the guaranteed portion amounted
to $35.9 million.&nbsp;Most of these loans were guaranteed by the SBA. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Commercial business loans were $313.8 million at the end of 2015,
up $46.3 million or 17% since the end of 2014, and comprised 15.0% of total loans outstanding at December&nbsp;31, 2015, compared to 14.0% at December&nbsp;31, 2014.&nbsp;We typically originate business loans of up to $15.0 million for small to
mid-sized businesses in our market area for working capital, equipment financing, inventory financing, accounts receivable financing, or other general business purposes.&nbsp;Loans of this type are in a diverse range of industries.&nbsp;Within the
commercial business classification, loans to finance agricultural production totaled approximately 7% of commercial business loans as of December&nbsp;31, 2015.&nbsp;As of December&nbsp;31, 2015, commercial business SBA loans accounted for a total
of $35.4 million or 11% of our commercial business loan portfolio. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Commercial mortgage loans totaled $566.1 million at December&nbsp;31,
2015, up $91.0 million or 19% from December&nbsp;31, 2014, and comprised 27.2% of total loans, compared to 24.9% at December&nbsp;31, 2014.&nbsp;Commercial mortgage loans include both owner occupied and non-owner occupied commercial real estate
loans.&nbsp;Approximately 41% and 45% of our commercial mortgage portfolio at December&nbsp;31, 2015 and 2014, respectively, was owner occupied commercial real estate.&nbsp;The majority of our commercial real estate loans are secured by office
buildings, manufacturing facilities, distribution/warehouse facilities, and retail centers, which are generally located in our local market area.&nbsp;As of December&nbsp;31, 2015, commercial mortgage SBA loans accounted for a total of $14.0 million
or 2% of our commercial mortgage loan portfolio. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We determine our current lending standards for commercial real estate and real estate
construction lending by property type and specifically address many criteria, including: maximum loan amounts, maximum loan-to-value (&#147;LTV&#148;), requirements for pre-leasing or pre-sales, minimum debt-service coverage ratios, minimum borrower
equity, and maximum loan to cost. Currently, the maximum standard for LTV is 85%, with lower limits established for certain higher risk types, such as raw land which has a 65% LTV maximum. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 46 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Residential mortgage loans totaled $98.3 million at the end of 2015, down $1.8 million or 2%
from the end of the prior year and comprised 4.7% of total loans outstanding at December&nbsp;31, 2015 and 5.2% at December&nbsp;31, 2014. Residential mortgage loans include conventional first lien home mortgages. We generally limit the maximum loan
to 85% of collateral value without credit enhancement (e.g. personal mortgage insurance). As part of management&#146;s historical practice of originating and servicing residential mortgage loans, the majority of our fixed-rate residential mortgage
loans are sold in the secondary market with servicing rights retained. Residential mortgage products continue to be underwritten using FHLMC and FNMA secondary marketing guidelines. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">As of December&nbsp;31, 2015 and 2014, our residential mortgage portfolio included $12.8 million and $15.7 million, respectively, of loans
acquired during the 2012 branch acquisitions and $85.5 million and $84.4 million of organic loans, respectively. Over the past several years we&#146;ve placed less emphasis on expanding our residential mortgage loan portfolio while strategically
increasing our consumer indirect and home equity loan portfolios. In addition, it has been our practice to sell the majority of our fixed-rate residential mortgages in the secondary market with servicing rights retained. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Consumer loans totaled $1.11 billion at December&nbsp;31, 2015, up $36.2 million or 3% compared to 2014, and represented 53.1% of the 2015
year-end loan portfolio versus 55.9% at year-end 2014.&nbsp;Loans in this classification include indirect consumer, home equity and other consumer installment loans.&nbsp;Credit risk for these types of loans is generally influenced by general
economic conditions, the characteristics of individual borrowers, and the nature of the loan collateral.&nbsp;Risks of loss are generally on smaller average balances per loan spread over many borrowers.&nbsp;Once charged off, there is usually less
opportunity for recovery on these smaller retail loans. Credit risk is primarily controlled by reviewing the creditworthiness of the borrowers, monitoring payment histories, and taking appropriate collateral and guaranty positions. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The home equity portfolio consists of both lines of credit and loans.&nbsp;Home equities amounted to $410.1 million at December&nbsp;31, 2015
up $23.5 million or 6% compared to 2014, and represented 19.7% of the 2015 year-end loan portfolio versus 20.2% at year-end 2014.&nbsp;The portfolio had a weighted average LTV at origination of approximately 58% and 57% at December&nbsp;31, 2015 and
2014, respectively.&nbsp;Approximately 82% and 80% of the loans in the home equity portfolio were first lien positions at December&nbsp;31, 2015 and 2014, respectively.&nbsp;We continue to grow our home equity portfolio as the lower origination cost
and convenience to customers has made these products an increasingly attractive alternative to conventional residential mortgage loans. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our underwriting guidelines for home equity products includes a combination of borrower FICO (credit score), the LTV of the property securing
the loan and evidence of the borrower having sufficient income to repay the loan.&nbsp;Currently, for home equity products, the maximum acceptable LTV is 90%.&nbsp;The average FICO score for new home equity production was 753 and 751 during the
years ended December&nbsp;31, 2015 and 2014, respectively. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Consumer indirect loans amounted to $676.9 million at December&nbsp;31, 2015 up
$15.3 million or 2% compared to 2014, and represented 32.5% of the 2015 year-end loan portfolio versus 34.6% at year-end 2014.&nbsp;The loans are primarily for the purchase of automobiles (both new and used) and light duty trucks primarily by
individuals, but also by corporations and other organizations.&nbsp;The loans are originated through dealerships and assigned to us with terms that typically range from 36 to 84 months.&nbsp;During the year ended December&nbsp;31, 2015, we
originated $296.9 million in indirect loans with a mix of approximately 40% new vehicles and 60% used vehicles.&nbsp;This compares with $305.6 million in indirect loans with a mix of approximately 41% new vehicles and 59% used vehicles for the same
period in 2014.&nbsp;We do business with over 400 franchised auto dealers located in Western, Central, and the Capital District of New York, and Northern and Central Pennsylvania.&nbsp;The average FICO score for new indirect loan production was 728
and 722 during the years ended December&nbsp;31, 2015 and 2014, respectively.&nbsp;Other consumer loans totaled $18.5 million at December&nbsp;31, 2015, down $2.6 million or 12% compared to 2014, and represented less than one percent of the 2015
year-end loan portfolio versus 1.1% at year-end 2014.&nbsp;Other consumer loans consist of personal loans (collateralized and uncollateralized) and deposit account collateralized loans. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Factors that are important to managing overall credit quality are sound loan underwriting and administration, systematic monitoring of existing
loans and commitments, effective loan review on an ongoing basis, early identification of potential problems, an appropriate allowance for loan losses, and sound nonaccrual and charge off policies. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">An active credit risk management process is used for commercial loans to further ensure that sound and consistent credit decisions are made.
Credit risk is controlled by detailed underwriting procedures, comprehensive loan administration, and periodic review of borrowers&#146; outstanding loans and commitments. Borrower relationships are formally reviewed and graded on an ongoing basis
for early identification of potential problems. Further analyses by customer, industry, and geographic location are performed to monitor trends, financial performance, and concentrations. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our loan portfolio is widely diversified by types of borrowers, industry groups, and market areas within our core footprint. Significant loan
concentrations are considered to exist for a financial institution when there are amounts loaned to numerous borrowers engaged in similar activities that would cause them to be similarly impacted by economic or other conditions. At December&nbsp;31,
2015, no significant concentrations, as defined above, existed in our portfolio in excess of 10% of total loans. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 47 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Loans Held for Sale and Loan Servicing Rights.</B>&nbsp;&nbsp;Loans held for sale (not
included in the loan portfolio composition table) were entirely comprised of residential real estate mortgages and totaled $1.4 million and $755 thousand as of December&nbsp;31, 2015 and 2014, respectively. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We sell certain qualifying newly originated or refinanced residential real estate mortgages on the secondary market.&nbsp;Residential real
estate mortgages serviced for others, which are not included in the consolidated statements of financial condition, amounted to $196.0 million and $215.2 million as of December&nbsp;31, 2015 and 2014, respectively. </P>
<P STYLE="margin-top:20pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Allowance for Loan Losses </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following table summarizes
the activity in the allowance for loan losses (in thousands). </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="55%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Loan Loss Analysis</B><br><B>Year Ended December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2013&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2012&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2011&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance for loan losses, beginning of year</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;27,637&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;26,736&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;24,714&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;23,260&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;20,466&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Charge-offs:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial business</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,433&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">204&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,070&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">729&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,346&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">895&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">304&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">553&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">745&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">751&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential mortgage</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">175&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">190&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">411&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">326&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">152&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">421&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">340&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">391&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">305&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">449&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer indirect</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9,156&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10,004&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8,125&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6,589&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,713&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other consumer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">878&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">972&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">928&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">874&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">877&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total charge-offs</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">12,958&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">12,014&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">11,478&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9,568&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8,288&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Recoveries:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial business</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">212&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">201&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">349&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">336&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">401&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">146&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">143&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">319&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">261&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">245&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential mortgage</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">82&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">39&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">54&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">130&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">90&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">56&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">157&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer indirect</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,200&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,321&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,161&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,769&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,066&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other consumer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">322&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">366&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">381&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">354&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">456&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total recoveries</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">5,025&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">5,126&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,421&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,894&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,302&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net charge-offs</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,933&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,888&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,057&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,674&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,986&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for loan losses</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,381&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,789&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9,079&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,128&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,780&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance for loan losses, end of year</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">27,085&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">27,637&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">26,736&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">24,714&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">23,260&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net charge-offs to average loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.40%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.37%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.40%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.36%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.36%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance to end of period loans</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1.30%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1.45%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1.46%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1.45%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1.57%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance to end of period non-performing loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">321%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">272%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">161%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">271%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">329%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table sets forth the allocation of the allowance for loan losses by loan category as of the
dates indicated.&nbsp;The allocation is made for analytical purposes and is not necessarily indicative of the categories in which actual losses may occur.&nbsp;The total allowance is available to absorb losses from any segment of the loan portfolio
(in thousands). </P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="75%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="38" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Allowance for Loan Losses by Loan Category</B><br><B>At December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2011</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Loan</B><br><B>Loss</B><br><B>&nbsp;&nbsp;Allowance&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Percentage<BR>of loans by</B><br><B>category&nbsp;to</B><br><B>&nbsp;total&nbsp;loans&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Loan</B><br><B>Loss</B><br><B>&nbsp;Allowance&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Percentage</B><br><B>of loans by</B><br><B>category&nbsp;to</B><br><B>&nbsp;total&nbsp;loans&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Loan</B><br><B>Loss</B><br><B>&nbsp;&nbsp;Allowance&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Percentage<BR>of loans by<BR>category&nbsp;to</B><br><B>&nbsp;total&nbsp;loans&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Loan</B><br><B>Loss</B><br><B>&nbsp;&nbsp;Allowance&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Percentage<BR>of loans by<BR>category&nbsp;to</B><br><B>&nbsp;total&nbsp;loans&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Loan</B><br><B>Loss</B><br><B>&nbsp;&nbsp;Allowance&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Percentage<BR>of loans by<BR>category&nbsp;to</B><br><B>&nbsp;total&nbsp;loans&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial business</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">5,540</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">15.0%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">5,621</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">14.0%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,273</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">14.5%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,884</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">15.2%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,036</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">15.7%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,027</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27.2&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,122</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24.9&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,743</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25.6&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,581</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24.2&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,418</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26.5&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential mortgage</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">464</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4.7&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">570</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">5.2&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">676</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6.2&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">740</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7.8&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">858</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7.7&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,228</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.7&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,485</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20.2&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,367</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.8&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,282</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16.8&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,242</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.6&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer indirect</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10,458</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">32.5&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">11,383</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">34.6&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">12,230</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">34.7&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10,715</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">34.4&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10,189</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">32.9&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other consumer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">368</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.9&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">456</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.1&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">447</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.2&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">512</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.6&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">517</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.6&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">27,085</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">100.0%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">27,637</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">100.0%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">26,736</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">100.0%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">24,714</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">100.0%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">23,260</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">100.0%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 48 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Management believes that the allowance for loan losses at December&nbsp;31, 2015 is adequate
to cover probable losses in the loan portfolio at that date. Factors beyond our control, however, such as general national and local economic conditions, can adversely impact the adequacy of the allowance for loan losses. As a result, no assurance
can be given that adverse economic conditions or other circumstances will not result in increased losses in the portfolio or that the allowance for loan losses will be sufficient to meet actual loan losses. See Part I, Item 1A &#147;Risk
Factors&#148; for the risks impacting this estimate. Management presents a quarterly review of the adequacy of the allowance for loan losses to the Audit Committee of our Board of Directors based on the methodology that is described in further
detail in Part I, Item I &#147;Business&#148; under the section titled &#147;Lending Activities&#148;. See also &#147;Critical Accounting Estimates&#148; for additional information on the allowance for loan losses. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Non-performing Assets and Potential Problem Loans </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table sets forth information regarding non-performing assets (in thousands): </P>
<P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="85%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Non-performing Assets</B><br><B>At December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2011</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Non-accruing loans:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial business</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3,922&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4,288&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3,474&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3,413&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,259&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial mortgage</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">947&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,020&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9,663&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,799&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,928&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,325&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,194&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,078&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,040&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,644&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">758&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">463&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">925&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">939&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">682&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer indirect</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,467&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,169&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,471&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">891&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">558&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other consumer</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">11&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">5&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">25&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total non-accruing loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,432&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,145&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,616&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,107&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,071&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Restructured accruing loans</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accruing loans contractually past due over 90 days</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total non-performing loans</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8,440&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10,153&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">16,622&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9,125&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,076&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Foreclosed assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">163&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">194&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">333&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">184&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">475&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Non-performing investment securities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">128&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">753&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,636&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total non-performing assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8,603&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;10,347&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;17,083&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;10,062&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9,187&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Non-performing loans to total loans</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.41%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.53%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.91%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.53%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.48%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Non-performing assets to total assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.25%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.33%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.58%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.36%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.39%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Non-performing assets include non-performing loans, foreclosed assets and non-performing investment
securities.&nbsp;Non-performing assets at December&nbsp;31, 2015 were $8.6 million, a decrease of $1.7 million from the $10.3 million balance at December&nbsp;31, 2014.&nbsp;The primary component of non-performing assets is non-performing loans,
which were $8.4 million or 0.41% of total loans at December&nbsp;31, 2015, a decrease of $1.7 million from $10.1 million or 0.53% of total loans at December&nbsp;31, 2014. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Approximately $2.0 million, or 24%, of the $8.4 million in non-performing loans as of December&nbsp;31, 2015 were current with respect to
payment of principal and interest, but were classified as non-accruing because repayment in full of principal and/or interest was uncertain.&nbsp;The amount of interest income forgone totaled $432 thousand and $527 thousand for non-accruing loans
outstanding as of December&nbsp;31, 2015 and 2014, respectively.&nbsp;Included in nonaccrual loans are troubled debt restructurings (&#147;TDRs&#148;) of $2.4 million and $3.0 million at December&nbsp;31, 2015 and 2014, respectively. We had no TDRs
that were accruing interest as of December&nbsp;31, 2015 or 2014. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Foreclosed assets consist of real property formerly pledged as
collateral for loans, which we have acquired through foreclosure proceedings or acceptance of a deed in lieu of foreclosure.&nbsp;Foreclosed asset holdings represented four properties totaling $163 thousand at December&nbsp;31, 2015 and four
properties totaling $194 thousand at December&nbsp;31, 2014. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Potential problem loans are loans that are currently performing, but
information known about possible credit problems of the borrowers causes us to have concern as to the ability of such borrowers to comply with the present loan payment terms and may result in disclosure of such loans as nonperforming at some time in
the future.&nbsp;These loans remain in a performing status due to a variety of factors, including payment history, the value of collateral supporting the credits, and/or personal or government guarantees.&nbsp;We consider loans classified as
substandard, which continue to accrue interest, to be potential problem loans.&nbsp;We identified $12.1 million and $13.7 million in loans that continued to accrue interest which were classified as substandard as of December&nbsp;31, 2015 and 2014,
respectively. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 49 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>FUNDING ACTIVITIES </B></P>
<P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Deposits </B></P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table summarizes
the composition of our deposits (dollars in thousands).</P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD style="width:27pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:27pt"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD style="width:21pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:21pt"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD style="width:27pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:27pt"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD style="width:21pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:21pt"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD style="width:27pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:27pt"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD style="width:21pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:21pt"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="29" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>At December&nbsp;31,</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Amount&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Percent&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Amount&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Percent&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Amount&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Percent&nbsp;&nbsp;</B></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest-bearing demand</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">641,972</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">23.5</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;%&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">571,260</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">23.3</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;%&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">535,472</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">23.1</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing demand</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">523,366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">490,190</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">470,733</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Savings and money market</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">928,175</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">34.0</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">795,835</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">32.5</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">717,928</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">30.9</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Time deposits &lt; $250,000</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">545,044</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">526,782</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">522,417</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Time deposits of $250,000 or more</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">91,974</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3.4</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">66,460</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2.7</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">73,506</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3.2</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.30em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;2,730,531</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;%&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;2,450,527</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;%&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;2,320,056</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We offer a variety of deposit products designed to attract and retain customers, with the primary focus on
building and expanding long-term relationships.&nbsp;At December&nbsp;31, 2015, total deposits were $2.73 billion, representing an increase of $280.0 million for the year. Time deposits were approximately 23% and 24% of total deposits at
December&nbsp;31, 2015 and 2014, respectively.&nbsp;Depositors remain hesitant to invest in time deposits, such as certificates of deposit, for long periods due to the low interest rate environment.&nbsp;This has resulted in lower amounts being
placed in time deposits for generally shorter terms. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Nonpublic deposits, the largest component of our funding sources, totaled $2.05
billion and $1.84 billion at December&nbsp;31, 2015 and 2014, respectively, and represented 75% of total deposits as of the end of each period.&nbsp;We have managed this segment of funding through a strategy of competitive pricing that minimizes the
number of customer relationships that have only a single service high cost deposit account. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">As an additional source of funding, we offer a
variety of public (municipal) deposit products to the towns, villages, counties and school districts within our market.&nbsp;Public deposits generally range from 20% to 30% of our total deposits.&nbsp;There is a high degree of seasonality in this
component of funding, because the level of deposits varies with the seasonal cash flows for these public customers.&nbsp;We maintain the necessary levels of short-term liquid assets to accommodate the seasonality associated with public
deposits.&nbsp;Total public deposits were $675.7 million and $607.5 million at December 31, 2015 and December 31, 2014, respectively, and represented 25% of total deposits as of the end of each period.&nbsp;The increase in public deposits during
2015 was due largely to successful business development efforts. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We had no traditional brokered deposits at December&nbsp;31, 2015 or
December&nbsp;31, 2014; however, we do participate in the CDARS and ICS programs, which enable depositors to receive FDIC insurance coverage for deposits otherwise exceeding the maximum insurable amount.&nbsp;CDARS and ICS deposits are considered
brokered deposits for regulatory reporting purposes.&nbsp;Through these programs, deposits in excess of the maximum insurable amount are placed with multiple participating financial institutions.&nbsp;Reciprocal CDARS deposits and ICS deposits
totaled $92.9 million and $146.6 million, respectively, at December&nbsp;31, 2015, compared to $79.7 million and $67.1 million, respectively, at December&nbsp;31, 2014. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 50 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Borrowings </B></P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company classifies borrowings as short-term or long-term in accordance with the original terms of the agreement.&nbsp;Outstanding
borrowings are summarized as follows as of December&nbsp;31 (in thousands): </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="92%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Short-term borrowings:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Short-term FHLB borrowings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">293,100&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">295,300&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Repurchase agreements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39,504&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total short-term borrowings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">293,100&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">334,804&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Long-term borrowings:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Subordinated notes, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38,990&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total borrowings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">332,090&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">334,804&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>Short-term borrowings </U></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Federal funds purchased are short-term borrowings that typically mature within one to ninety days.&nbsp;Short-term repurchase agreements are
secured overnight borrowings with customers.&nbsp;We discontinued the customer repurchase agreement product during the second quarter of 2015 and transferred most of those customers into the ICS deposit product.&nbsp;Short-term FHLB borrowings have
original maturities of less than one year and include overnight borrowings which we typically utilize to address short term funding needs as they arise.&nbsp;Short-term FHLB borrowings at December&nbsp;31, 2015 consisted of $116.8 million in
overnight borrowings and $176.3 million in short-term advances.&nbsp;Short-term FHLB borrowings at December&nbsp;31, 2014 consisted of $129.0 million in overnight borrowings and $166.3 million in short-term advances.&nbsp;The FHLB borrowings are
collateralized by securities from the Company&#146;s investment portfolio and certain qualifying loans. At December&nbsp;31, 2015 and 2014, the Company&#146;s borrowings had a weighted average rate of 0.53% and 0.35%, respectively. </P>
<P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We have credit capacity with the FHLB and can borrow through facilities that include amortizing and term advances or repurchase agreements. We
had approximately $76 million of immediate credit capacity with the FHLB as of December&nbsp;31, 2015. We had approximately $497 million in secured borrowing capacity at the Federal Reserve Bank (&#147;FRB&#148;) discount window, none of which was
outstanding at December&nbsp;31, 2015. The FHLB and FRB credit capacity are collateralized by securities from our investment portfolio and certain qualifying loans. We had $120 million of credit available under unsecured federal funds purchased
lines with various banks as of December&nbsp;31, 2015.&nbsp;Additionally, we had approximately $237 million of unencumbered liquid securities available for pledging. </P>
<P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Parent has a revolving line of credit with a commercial bank allowing borrowings up to $20.0 million in total as an additional source of
working capital.&nbsp;At December&nbsp;31, 2015, no amounts have been drawn on the line of credit. </P> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table summarizes
information relating to our short-term borrowings (dollars in thousands). </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="91%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><B>&nbsp;&nbsp;&nbsp;&nbsp;At&nbsp;or&nbsp;for&nbsp;the&nbsp;Year&nbsp;Ended&nbsp;December&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Year-end balance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;293,100&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;334,804&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;337,042&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Year-end weighted average interest rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.53<SUP STYLE="font-size:85%; vertical-align:top">&nbsp;</SUP>%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.35<SUP STYLE="font-size:85%; vertical-align:top">&nbsp;</SUP>%&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.38<SUP STYLE="font-size:85%; vertical-align:top">&nbsp;</SUP>%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Maximum outstanding at any month-end</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">351,600&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">334,804&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">337,042&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average balance during the year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">262,494&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">247,956&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">190,310&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average interest rate for the year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.41<SUP STYLE="font-size:85%; vertical-align:top">&nbsp;</SUP>%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.37<SUP STYLE="font-size:85%; vertical-align:top">&nbsp;</SUP>%&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.39<SUP STYLE="font-size:85%; vertical-align:top">&nbsp;</SUP>%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>Long-term borrowings </U></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">On April&nbsp;15, 2015, we issued $40.0 million of Subordinated Notes in a registered public offering.&nbsp;The Subordinated Notes bear
interest at a fixed rate of 6.0% per year, payable semi-annually, for the first 10 years.&nbsp;From April&nbsp;15, 2025 to the April&nbsp;15, 2030 maturity date, the interest rate will reset quarterly to an annual interest rate equal to the then
current three-month London Interbank Offered Rate (LIBOR) plus 3.944%, payable quarterly.&nbsp;The Subordinated Notes are redeemable by the us at any quarterly interest payment date beginning on April&nbsp;15, 2025 to maturity at par, plus accrued
and unpaid interest.&nbsp;Proceeds, net of debt issuance costs of $1.1 million, were $38.9 million. The net proceeds from this offering were used for general corporate purposes, including but not limited to, contribution of capital to the Bank to
support both organic growth and opportunistic acquisitions.&nbsp;The Subordinated Notes qualify as Tier 2 capital for regulatory purposes. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 51 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Shareholders&#146; Equity </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Total shareholders&#146; equity was $293.8 million at December&nbsp;31, 2015, an increase of $14.3 million from $279.5 million at
December&nbsp;31, 2014. Net income for the year increased shareholders&#146; equity by $28.3 million, respectively, which were partially offset by common and preferred stock dividends declared of $12.7 million. Accumulated other comprehensive loss
included in shareholders&#146; equity increased $2.3 million during the year due primarily to lower net unrealized gains on securities available for sale. The decrease of $1.3 million in treasury stock during 2015 was primarily due to the issuance
of restricted stock awards with an aggregate grant date fair value of $1.1 million.&nbsp;For detailed information on shareholders&#146; equity, see Note 12, Shareholders&#146; Equity, of the notes to consolidated financial statements. FII and the
Bank are subject to various regulatory capital requirements. At December&nbsp;31, 2015, both FII and the Bank exceeded all regulatory requirements. For detailed information on regulatory capital requirements, see Note 11, Regulatory Matters, of the
notes to consolidated financial statements. </P> <P STYLE="margin-top:26pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>LIQUIDITY AND CAPITAL RESOURCES </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The objective of maintaining adequate liquidity is to assure that we meet our financial obligations.&nbsp;These obligations include the
withdrawal of deposits on demand or at their contractual maturity, the repayment of matured borrowings, the ability to fund new and existing loan commitments and the ability to take advantage of new business opportunities.&nbsp;We achieve liquidity
by maintaining a strong base of core customer funds, maturing short-term assets, our ability to sell or pledge securities, lines-of-credit, and access to the financial and capital markets. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Liquidity for the Bank is managed through the monitoring of anticipated changes in loans, the investment portfolio, core deposits and wholesale
funds. The strength of the Bank&#146;s liquidity position is a result of its base of core customer deposits. These core deposits are supplemented by wholesale funding sources that include credit lines with the other banking institutions, the FHLB
and the FRB. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The primary sources of liquidity for FII are dividends from the Bank and access to financial and capital
markets.&nbsp;Dividends from the Bank are limited by various regulatory requirements related to capital adequacy and earnings trends.&nbsp;The Bank relies on cash flows from operations, core deposits, borrowings and short-term liquid assets. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Cash and cash equivalents were $60.1 million as of December&nbsp;31, 2015, an increase of $1.9 million from $58.2 million as of
December&nbsp;31, 2014.&nbsp;Net cash provided by operating activities totaled $43.1 million and the principal source of operating activity cash flow was net income adjusted for noncash income and expense items.&nbsp;Net cash used in investing
activities totaled $305.9 million, which included outflows of $180.1 million for net loan originations and $118.6 million from net investment securities transactions.&nbsp;Net cash provided by financing activities of $264.8 million was attributed to
a $280.0 million increase in deposits and net proceeds of $38.9 million from the Subordinated Notes issuance, partly offset by $12.7 million in dividend payments and a $41.7 million decrease in short-term borrowings. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Contractual Obligations and Other Commitments </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table summarizes the maturities of various contractual obligations and other commitments (in thousands): </P>
<P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="85%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>At December&nbsp;31, 2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Within&nbsp;1&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>year</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Over&nbsp;1&nbsp;to&nbsp;3&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Over&nbsp;3&nbsp;to&nbsp;5&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>Years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Over&nbsp;5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>On-Balance sheet:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Time deposits<SUP STYLE="font-size:85%; vertical-align:top"> (1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">450,885&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">143,604&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">42,482&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">47&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;637,018&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Supplemental executive retirement plans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">309&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">736&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">661&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">987&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,693&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Earn-out liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,200&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,200&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Off-Balance sheet:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Limited partnership investments <SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">266&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">532&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">267&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,065&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commitments to extend credit <SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">514,818&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">514,818&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Standby letters of credit <SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,254&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,963&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">529&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,746&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Operating leases</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,644&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,291&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,752&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,160&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,847&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:3%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>Includes the maturity of time deposits amounting to $250 thousand or more as
follows:&nbsp;$50.3 million in three months or less; $14.9 million between three months and six months; $18.7 million between six months and one year; and $8.1 million over one year. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>We have committed to capital investments in several limited partnerships of up to $6.0
million, of which we have contributed $4.9 million as of December&nbsp;31, 2015, including $122 thousand during 2015. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>We do not expect all of the commitments to extend credit and standby letters of credit to be
funded.&nbsp;Thus, the total commitment amounts do not necessarily represent our future cash requirements. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 52 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Off-Balance Sheet Arrangements </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">With the exception of obligations in connection with our irrevocable loan commitments, operating leases and limited partnership investments as
of December&nbsp;31, 2015, we had no other off-balance sheet arrangements that have or are reasonably likely to have a current or future effect on our financial condition, changes in financial condition, revenues or expenses, results of operations,
liquidity, capital expenditures or capital resources that is material to investors.&nbsp;For additional information on off-balance sheet arrangements, see Note 1, Summary of Significant Accounting Policies and Note 10, Commitments and Contingencies,
in the notes to the accompanying consolidated financial statements. </P> <P STYLE="margin-top:20pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Security Yields and Maturities Schedule </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table sets forth certain information regarding the amortized cost (&#147;Cost&#148;), weighted average yields (&#147;Yield&#148;)
and contractual maturities of our debt securities portfolio as of December&nbsp;31, 2015. Mortgage-backed securities are included in maturity categories based on their stated maturity date. Actual maturities may differ from the contractual
maturities presented because borrowers may have the right to call or prepay certain investments. No tax-equivalent adjustments were made to the weighted average yields (dollars in thousands). </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="75%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;Due&nbsp;in&nbsp;one&nbsp;year&nbsp;</B><br><B>or less</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;Due&nbsp;from&nbsp;one&nbsp;to&nbsp;</B><br><B>five years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Due after five</B><br><B>&nbsp;years&nbsp;through&nbsp;</B><br><B>ten years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Due&nbsp;after&nbsp;ten&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Cost</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Yield&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Cost</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Yield&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Cost</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Yield&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Cost</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Yield&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Cost&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Yield&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Available for sale debt securities:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">U.S. Government agencies and government-sponsored enterprises</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">25,179&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.68%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">58,575&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.52%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">170,548&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.40%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">6,446&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.98%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">260,748&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.53&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">115,478&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.86&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">105,424&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.65&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,968&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.25&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">282,873&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.24&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,182&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.68&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">174,053&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.74&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">275,972&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.50&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68,414&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.13&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">543,621&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.12&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Held to maturity debt securities:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State and political subdivisions</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,188&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.49&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">172,094&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.95&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100,141&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.08&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">294,423&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.96&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,221&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.48&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">175,073&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.22&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">191,294&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.16&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,188&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.49&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">172,094&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.95&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">116,362&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.99&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">175,073&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.22&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">485,717&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.03&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;47,370&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.06%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;346,147&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.84%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;392,334&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.35%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">243,487&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.19%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;1,029,338&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.08%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="margin-top:16pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Contractual Loan Maturity Schedule </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table summarizes the contractual maturities of our loan portfolio at December&nbsp;31, 2015.&nbsp;Loans, net of deferred loan
origination costs, include principal amortization and non-accruing loans.&nbsp;Demand loans having no stated schedule of repayment or maturity and overdrafts are reported as due in one year or less (in thousands). </P>
<P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="88%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Due&nbsp;in&nbsp;less</B><br><B>&nbsp;than&nbsp;one&nbsp;year&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Due&nbsp;from&nbsp;one&nbsp;&nbsp;</B><br><B>to five years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Due&nbsp;after&nbsp;five&nbsp;&nbsp;</B><br><B>years</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial business</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">115,254&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">135,643&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">62,861&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">313,758&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">138,643&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">280,262&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">147,196&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">566,101&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,717&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41,080&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39,512&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">98,309&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64,499&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">175,367&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">170,246&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">410,112&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer indirect</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">269,154&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">395,496&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,290&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">676,940&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,673&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,495&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,374&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,542&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">612,940&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,037,343&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">433,479&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,083,762&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans maturing after one year:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">With a predetermined interest rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">748,822&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">218,835&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">967,657&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">With a floating or adjustable rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">288,521&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">214,644&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">503,165&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total loans maturing after one year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,037,343&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;433,479&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,470,822&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 53 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Capital Resources </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The FRB has adopted a system using risk-based capital guidelines to evaluate the capital adequacy of bank holding companies on a consolidated
basis.&nbsp;The final rules implementing the Basel Committee on Banking Supervision&#146;s (&#147;BCBS&#148;) capital guidelines for U.S. banks became effective for the Company on January&nbsp;1, 2015, with full compliance with all of the final
requirements phased in over a multi-year schedule, to be fully phased-in by January&nbsp;1, 2019. As of December&nbsp;31, 2015, the Company&#146;s capital levels remained characterized as &#147;well-capitalized&#148; under the new rules. We continue
to evaluate the potential impact that regulatory rules may have on our liquidity and capital management strategies, including Basel III and those required under the Dodd-Frank Act. See Note 11, Regulatory Matters of the notes to consolidated
financial statements and the &#147;Basel III Capital Rules&#148; section below for further discussion. The following table reflects the Company&#146;s ratios and their components as of December&nbsp;31 (in thousands): </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="71%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common shareholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">276,504&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">262,192&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Less:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Goodwill and other intangible assets <SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,217&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68,639&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net unrealized (loss) gain on investment securities <SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(696)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,625&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net periodic pension &amp; postretirement benefits plan adjustments</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(10,631)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(10,636)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">201&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;Common equity Tier 1 (&#147;CET1&#148;) capital</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">226,413&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">n/a&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Plus:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Preferred stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,340&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,340&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Less:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">301&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tier 1 Capital</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">243,452&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">219,904&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Plus:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Qualifying allowance for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,085&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,262&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Subordinated Notes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38,990&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total regulatory capital <SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">309,527&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">246,166&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="3" VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Adjusted average total assets (for leverage capital purposes)
<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;3,287,646&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;2,993,050&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="3" VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total risk-weighted assets <SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;2,318,536&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;2,099,626&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="3" VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Regulatory Capital Ratios </B><SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tier 1 leverage (Tier 1 capital to adjusted average assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.41%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.35%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CET1 capital (CET1 capital&nbsp;to total risk-weighted assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.77&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">n/a&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tier 1 capital (Tier 1 capital to total risk-weighted assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.50&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.47&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total risk-based capital (Total regulatory capital to total risk-weighted assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.35&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.72&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:3%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>December&nbsp;31, 2015 calculated net of deferred tax liabilities. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>Includes unrealized gains and losses related to the Company&#146;s reclassification of
available for sale investment securities to the held to maturity category. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>December&nbsp;31, 2015 calculated under Basel III rules, which became effective
January&nbsp;1, 2015. </P></TD></TR></TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Basel III Capital Rules </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In July&nbsp;2013, the FRB and the FDIC approved the final rules implementing the BCBS&#146;s capital guidelines for U.S. banks. Under the
final rules, minimum requirements will increase for both the quantity and quality of capital held by the Company. The rules include a new common equity Tier 1 capital to risk-weighted assets minimum ratio of 4.5%, raise the minimum ratio of Tier 1
capital to risk-weighted assets from 4.0% to 6.0%, require a minimum ratio of total capital to risk-weighted assets of 8.0%, and require a minimum Tier 1 leverage ratio of 4.0%. A new capital conservation buffer is also established above the
regulatory minimum capital requirements. This capital conservation buffer will be phased in beginning January&nbsp;1, 2016 at 0.625% of risk-weighted assets and will increase each subsequent year by an additional 0.625% until reaching its final
level of 2.5% on January&nbsp;1, 2019. Strict eligibility criteria for regulatory capital instruments were also implemented under the final rules. The final rules also revise the definition and calculation of Tier 1 capital, total capital, and
risk-weighted assets. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The phase-in period for the final rules became effective for the Company on January&nbsp;1, 2015, with full
compliance with all of the final rules&#146; requirements phased in over a multi-year schedule, to be fully phased-in by January&nbsp;1, 2019. As of December&nbsp;31, 2015, the Company&#146;s capital levels remained characterized as
&#147;well-capitalized&#148; under the new rules. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 54 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>CRITICAL ACCOUNTING ESTIMATES </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our consolidated financial statements are prepared in accordance with GAAP and are consistent with predominant practices in the financial
services industry.&nbsp;Application of critical accounting policies, which are those policies that management believes are the most important to our financial position and results, requires management to make estimates, assumptions, and judgments
that affect the amounts reported in the consolidated financial statements and accompanying notes and are based on information available as of the date of the financial statements.&nbsp;Future changes in information may affect these estimates,
assumptions and judgments, which, in turn, may affect amounts reported in the financial statements. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We have numerous accounting policies,
of which the most significant are presented in Note 1, Summary of Significant Accounting Policies, of the notes to consolidated financial statements.&nbsp;These policies, along with the disclosures presented in the other financial statement notes
and in this discussion, provide information on how significant assets, liabilities, revenues and expenses are reported in the consolidated financial statements and how those reported amounts are determined.&nbsp;Based on the sensitivity of financial
statement amounts to the methods, assumptions, and estimates underlying those amounts, management has determined that the accounting policies with respect to the allowance for loan losses, valuation of goodwill and deferred tax assets, and
accounting for defined benefit plans require particularly subjective or complex judgments important to our financial position and results of operations, and, as such, are considered to be critical accounting policies as discussed below. These
estimates and assumptions are based on management&#146;s best estimates and judgment and are evaluated on an ongoing basis using historical experience and other factors, including the current economic environment. We adjust these estimates and
assumptions when facts and circumstances dictate. Illiquid credit markets and volatile equity have combined with declines in consumer spending to increase the uncertainty inherent in these estimates and assumptions. As future events cannot be
determined with precision, actual results could differ significantly from our estimates. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Adequacy of the Allowance for Loan Losses </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The allowance for loan losses represents management&#146;s estimate of probable credit losses inherent in the loan portfolio. Determining the
amount of the allowance for loan losses is considered a critical accounting estimate because it requires significant judgment and the use of subjective measurements including management&#146;s assessment of the internal risk classifications of
loans, changes in the nature of the loan portfolio, industry concentrations, existing economic conditions, the fair value of underlying collateral, and other qualitative and quantitative factors which could affect probable credit
losses.&nbsp;Because current economic conditions and borrower strength can change and future events are inherently difficult to predict, the anticipated amount of estimated loan losses, and therefore the appropriateness of the allowance for loan
losses, could change significantly.&nbsp;As an integral part of their examination process, various regulatory agencies also review the allowance for loan losses. Such agencies may require additions to the allowance for loan losses or may require
that certain loan balances be charged off or downgraded into criticized loan categories when their credit evaluations differ from those of management, based on their judgments about information available to them at the time of their examination. We
believe the level of the allowance for loan losses is appropriate as recorded in the consolidated financial statements. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">For additional
discussion related to our accounting policies for the allowance for loan losses, see the sections titled &#147;Allowance for Loan Losses&#148; in Part II, Item 7, &#147;Management&#146;s Discussion and Analysis of Financial Condition and Results of
Operations&#148; and Note&nbsp;1, Summary of Significant Accounting Policies, of the notes to consolidated financial statements. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Valuation of Goodwill
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Goodwill represents the excess of the purchase price over the fair value of net assets acquired in accordance with the purchase method
of accounting for business combinations.&nbsp;Goodwill has an indefinite useful life and is not amortized, but is tested for impairment.&nbsp;GAAP requires goodwill to be tested for impairment at our reporting unit level on an annual basis and more
frequently if events or circumstances indicate that there may be impairment. We test goodwill for impairment as of September&nbsp;30 of each year. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Impairment exists when a reporting unit&#146;s carrying value of goodwill exceeds its implied fair value. In testing goodwill for impairment,
GAAP permits us to first assess qualitative factors to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying value. If, after assessing the totality of events and circumstances, we determine
it is not more likely than not that the fair value of a reporting unit is less than its carrying value, then performing the two-step impairment test would be unnecessary. However, if we conclude otherwise, we would then be required to perform the
first step (Step 1) of the goodwill impairment test, and continue to the second step (Step 2), if necessary. Step 1 compares the fair value of a reporting unit with its carrying value, including goodwill. If the carrying value of the reporting unit
exceeds its fair value, Step 2 of the goodwill impairment test is performed to measure the value of impairment loss, if any. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 55 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Valuation of Deferred Tax Assets </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The determination of deferred tax expense or benefit is based on changes in the carrying amounts of assets and liabilities that generate
temporary differences. The carrying value of our net deferred tax assets assumes that we will be able to generate sufficient future taxable income based on estimates and assumptions (after consideration of historical taxable income as well as tax
planning strategies).&nbsp;If these estimates and related assumptions change, we may be required to record valuation allowances against our deferred tax assets resulting in additional income tax expense in the consolidated statements of
income.&nbsp;We evaluate deferred tax assets on a quarterly basis and assess the need for a valuation allowance, if any.&nbsp;A valuation allowance is established when management believes that it is more likely than not that some portion of its
deferred tax assets will not be realized.&nbsp;Changes in valuation allowance from period to period are included in our tax provision in the period of change.&nbsp;For additional discussion related to our accounting policy for income taxes see Note
15, Income Taxes, of the notes to consolidated financial statements. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Defined Benefit Pension Plan </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We have a defined benefit pension plan covering substantially all employees, subject to the limitations related to the plan closure effective
December&nbsp;31, 2006.&nbsp;Effective January&nbsp;1, 2016, the defined benefit pension plan was amended to modify the current benefit formula and to open the plan up to eligible employees who were hired on and after January&nbsp;1,
2007.&nbsp;Prior to January&nbsp;1, 2016, benefits under the plan were generally based on years of service, age and compensation. Assumptions are made concerning future events that will determine the amount and timing of required benefit payments,
funding requirements and defined benefit pension expense. The major assumptions are the weighted average discount rate used in determining the current benefit obligation, the weighted average expected long-term rate of return on plan assets, the
rate of compensation increase and the estimated mortality rate. The weighted average discount rate was based upon the projected benefit cash flows and the market yields of high grade corporate bonds that are available to pay such cash flows as of
the measurement date, December&nbsp;31.&nbsp;The weighted average expected long-term rate of return is estimated based on current trends experienced by the assets in the plan as well as projected future rates of return on those assets and reasonable
actuarial assumptions for long term inflation, and the real and nominal rate of investment return for a specific mix of asset classes. The current target asset allocation model for the plans is detailed in Note 17 to the consolidated financial
statements. The expected returns on these various asset categories are blended to derive one long-term return assumption. The assets are invested in certain collective investment and mutual funds, common stocks, U.S. Treasury and other U.S.
government agency securities, and corporate and municipal bonds and notes. The rate of compensation increase is based on reviewing the compensation increase practices of other plan sponsors in similar industries and geographic areas as well as the
expectation of future increases. Mortality rate assumptions are based on mortality tables published by third-parties such as the Society of Actuaries (&#147;SOA&#148;), considering other available information including historical data as well as
studies and publications from reputable sources. We review the pension plan assumptions on an annual basis with our actuarial consultants to determine if the assumptions are reasonable and adjust the assumptions to reflect changes in future
expectations. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The assumptions used to calculate 2015 expense for the defined benefit pension plan were a weighted average discount rate of
3.86%, a weighted average long-term rate of return on plan assets of 6.50% and a rate of compensation increase of 3.00%. Defined benefit pension expense in 2016 is expected to increase to $1.6 million from the $778 thousand recorded in 2015,
primarily driven by an increase in the number of plan participants, partially offset by an increase in the discount rate assumption.</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Due to
the long-term nature of pension plan assumptions, actual results may differ significantly from the actuarial-based estimates. Differences resulting in actuarial gains or losses are required to be recorded in shareholders&#146; equity as part of
accumulated other comprehensive loss and amortized to defined benefit pension expense in future years.&nbsp;For 2015, the actual return on plan assets in the qualified defined benefit pension plan was a loss of $480 thousand, compared to an expected
return on plan assets of $4.8 million.&nbsp;Total pretax losses recognized in accumulated other comprehensive loss at December 31, 2015 were $17.7 million for the defined benefit pension plan.&nbsp;Actuarial pretax net gains recognized in other
comprehensive income for the year ended December&nbsp;31, 2015 were $52 thousand for the defined benefit pension plan. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Defined benefit
pension expense is recorded in &#147;Salaries and employee benefits&#148; expense on the consolidated statements of income. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>RECENT ACCOUNTING
PRONOUNCEMENTS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">See Note 1, Summary of Significant Accounting Policies - Recent Accounting Pronouncements, in the notes to consolidated
financial statements for a discussion of recent accounting pronouncements. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 56 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="toc120623_12"></A>ITEM&nbsp;7A.&nbsp;&nbsp;&nbsp;&nbsp;QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK </B></P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Asset-Liability Management </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The principal objective of our interest rate risk management is to evaluate the interest rate risk inherent in assets and liabilities,
determine the appropriate level of risk to us given our business strategy, operating environment, capital and liquidity requirements and performance objectives, and manage the risk consistent with the guidelines approved by our Board of
Directors.&nbsp;Management is responsible for reviewing with the Board of Directors our activities and strategies, the effect of those strategies on the net interest income, the fair value of the portfolio and the effect that changes in interest
rates will have on the portfolio and exposure limits.&nbsp;Management has developed an Asset-Liability Management and Investment Policy that meets the strategic objectives and regularly reviews the activities of the Bank. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Portfolio Composition </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our balance sheet
assets are a mix of fixed and variable rate assets with consumer indirect loans, commercial loans, and MBSs comprising a significant portion of our assets.&nbsp;Our consumer indirect loan portfolio comprised 20% of assets and is primarily fixed rate
loans with relatively short durations.&nbsp;Our commercial loan portfolio totaled 26% of assets and is a combination of fixed and variable rate loans, lines and mortgages.&nbsp;The MBS portfolio, including collateralized mortgages obligations,
totaled 14% of assets with durations averaging three to five years. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Our liabilities are made up primarily of deposits, which account for
88% of total liabilities.&nbsp;Of these deposits, the majority, or 55%, is in nonpublic variable rate and noninterest bearing products including demand (both noninterest and interest- bearing), savings and money market accounts.&nbsp;In addition,
fixed rate nonpublic certificate of deposit products make up 20% of total deposits.&nbsp;The bank also has a significant amount of public deposits, which represented 25% of total deposits as of December&nbsp;31, 2015. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Net Interest Income at Risk </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">A primary
tool used to manage interest rate risk is &#147;rate shock&#148; simulation to measure the rate sensitivity. Rate shock simulation is a modeling technique used to estimate the impact of changes in rates on net interest income as well as economic
value of equity. At December&nbsp;31, 2015, we were slightly asset sensitive, meaning that net interest income increases in rising rate conditions. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Net interest income at risk is measured by estimating the changes in net interest income resulting from instantaneous and sustained parallel
shifts in interest rates of different magnitudes over a period of 12 months.&nbsp;The following table sets forth the estimated changes to net interest income over the 12-month period ending December&nbsp;31, 2016 assuming instantaneous changes in
interest rates for the given rate shock scenarios (dollars in thousands): </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="88%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Changes in Interest Rate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B><FONT STYLE="white-space:nowrap">&nbsp;&nbsp;&nbsp;-100&nbsp;bp&nbsp;&nbsp;&nbsp;</FONT></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;+100&nbsp;bp&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;+200&nbsp;bp&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;+300&nbsp;bp&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Estimated change in net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;(1,555)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">994&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,237&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,120&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">% Change</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1.56)%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.00%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.24%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.12%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In addition to the changes in interest rate scenarios listed above, other scenarios are typically modeled to
measure interest rate risk.&nbsp;These scenarios vary depending on the economic and interest rate environment. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The simulation referenced
above is based on our assumption as to the effect of interest rate changes on assets and liabilities and assumes a parallel shift of the yield curve.&nbsp;It also includes certain assumptions about the future pricing of loans and deposits in
response to changes in interest rates.&nbsp;Further, it assumes that delinquency rates would not change as a result of changes in interest rates, although there can be no assurance that this will be the case.&nbsp;While this simulation is a useful
measure as to net interest income at risk due to a change in interest rates, it is not a forecast of the future results and is based on many assumptions that, if changed, could cause a different outcome. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Economic Value of Equity At Risk </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The
economic (or &#147;fair&#148;) value of financial instruments on our balance sheet will also vary under the interest rate scenarios previously discussed. This is measured by simulating changes in our economic value of equity (&#147;EVE&#148;), which
is calculated by subtracting the estimated fair value of liabilities from the estimated fair value of assets. Fair values for financial instruments are estimated by discounting projected cash flows (principal and interest) at current replacement
rates for each account type, while fair values of non-financial assets and liabilities are assumed to equal book value and do not vary with interest rate fluctuations. An economic value simulation is a static measure for balance sheet accounts at a
given point in time, but this measurement can change substantially over time as the characteristics of our balance sheet evolve and as interest rate and yield curve assumptions are updated. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 57 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The amount of change in economic value under different interest rate scenarios depends on the
characteristics of each class of financial instrument, including the stated interest rate or spread relative to current market rates or spreads, the likelihood of prepayment, whether the rate is fixed or floating, and the maturity date of the
instrument.&nbsp;As a general rule, fixed-rate financial assets become more valuable in declining rate scenarios and less valuable in rising rate scenarios, while fixed-rate financial liabilities gain in value as interest rates rise and lose value
as interest rates decline.&nbsp;The longer the duration of the financial instrument, the greater the impact a rate change will have on its value.&nbsp;In our economic value simulations, estimated prepayments are factored in for financial instruments
with stated maturity dates, and decay rates for non-maturity deposits are projected based on historical data (back-testing). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The analysis
that follows presents the estimated EVE resulting from market interest rates prevailing at a given quarter-end (&#147;Pre-Shock Scenario&#148;), and under other interest rate scenarios (each a &#147;Rate Shock Scenario&#148;) represented by
immediate, permanent, parallel shifts in interest rates from those observed at December&nbsp;31, 2015 and 2014. The analysis additionally presents a measurement of the interest rate sensitivity at December&nbsp;31, 2015 and 2014. EVE amounts are
computed under each respective Pre- Shock Scenario and Rate Shock Scenario. An increase in the EVE amount is considered favorable, while a decline is considered unfavorable. </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="84%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>December&nbsp;31, 2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>December&nbsp;31, 2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><B>Rate Shock Scenario:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;EVE&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Change&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Percentage&nbsp;&nbsp;</B><br><B>Change</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;EVE&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Change&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Percentage&nbsp;&nbsp;</B><br><B>Change</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Pre-Shock Scenario</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">497,349&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">476,735&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><SUP STYLE="font-size:85%; vertical-align:top">&nbsp;</SUP>- 100 Basis Points</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">508,973&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">11,624&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.34%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">489,184&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">12,449&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.61%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">+ 100 Basis Points</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">480,888&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(16,461)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3.31)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">466,983&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9,752)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2.05)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">+ 200 Basis Points</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">460,567&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(36,782)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(7.40)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">453,868&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(22,867)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4.80)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Pre-Shock Scenario EVE was $497.3 million at December&nbsp;31, 2015, compared to $476.7 million at
December&nbsp;31, 2014. The increase in the Pre-Shock Scenario EVE at December&nbsp;31, 2015, compared to December&nbsp;31, 2014 resulted primarily from a more favorable valuation of non-maturity deposits that reflected alternative funding rate
changes used for discounting future cash flows. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The +200 basis point Rate Shock Scenario EVE increased from $453.9 million at
December&nbsp;31, 2014 to $460.6 million at December&nbsp;31, 2015, reflecting the more favorable valuation of non-maturity deposits.&nbsp;The percentage change in the EVE amount from the Pre-Shock Scenario to the +200 basis point Rate Shock
Scenario decreased from (4.80)% at December&nbsp;31, 2014 to (7.40)% at December&nbsp;31, 2015. The decrease in sensitivity resulted from a decreased benefit in the valuation of certain fixed rate assets in the +200 basis point Rate Shock Scenario
EVE as of December&nbsp;31, 2015, compared to December&nbsp;31, 2014. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 58 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Interest Rate Sensitivity Gap </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table presents an analysis of our interest rate sensitivity gap position at December&nbsp;31, 2015.&nbsp;All interest-earning
assets and interest-bearing liabilities are shown based on the earlier of their contractual maturity or re-pricing date.&nbsp;The expected maturities are presented on a contractual basis or, if more relevant, based on projected call dates.
Investment securities are at amortized cost for both securities available for sale and securities held to maturity.&nbsp;Loans, net of deferred loan origination costs, include principal amortization adjusted for estimated prepayments (principal
payments in excess of contractual amounts) and non-accruing loans.&nbsp;Because the interest rate sensitivity levels shown in the table could be changed by external factors such as loan prepayments and liability decay rates or by factors
controllable by us, such as asset sales, it is not an absolute reflection of our potential interest rate risk profile (in thousands). </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="85%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>At December&nbsp;31, 2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Three</B><br><B>Months<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;or&nbsp;Less&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Over&nbsp;Three&nbsp;&nbsp;</B><br><B>Months<BR>Through</B><br><B>One Year</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Over</B><br><B>One&nbsp;Year<BR>Through</B><br><B>&nbsp;&nbsp;&nbsp;&nbsp;Five&nbsp;Years&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Over</B><br><B>&nbsp;&nbsp;&nbsp;&nbsp;Five&nbsp;Years&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">INTEREST-EARNING ASSETS:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">67,682&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">88,037&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">458,891&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">414,728&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,029,338&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">604,677&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">357,385&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">890,836&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">232,294&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,085,192&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total interest-earning assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">672,359&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">445,422&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,349,727&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">647,022&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,114,530&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash and due from banks</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,121&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other assets <SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">206,373&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3,381,024&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">INTEREST-BEARING LIABILITIES:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing demand, savings and money market</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,451,541&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,451,541&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Time deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">187,925&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">262,960&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">186,086&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">637,018&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Borrowings</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">270,200&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,900&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38,990&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">332,090&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total interest-bearing liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,909,666&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">285,860&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">186,086&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">39,037&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,420,649&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest-bearing deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">641,972&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,559&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,087,180&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Shareholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">293,844&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities and shareholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3,381,024&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest sensitivity gap</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(1,237,307)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">159,562&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,163,641&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">607,985&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">693,881&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cumulative gap</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(1,237,307)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(1,077,745)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">85,896&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">693,881&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cumulative gap ratio <SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35.2&nbsp;&nbsp;%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50.9&nbsp;&nbsp;%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">103.6&nbsp;&nbsp;&nbsp;%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">128.7&nbsp;&nbsp;&nbsp;%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cumulative gap as a percentage of total assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(36.6)&nbsp;%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(31.9)&nbsp;%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.5&nbsp;&nbsp;&nbsp;%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20.5&nbsp;&nbsp;&nbsp;%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:3%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD ALIGN="left" VALIGN="top"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>Includes net unrealized gain on securities available for sale and allowance for loan losses. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></TD>
<TD ALIGN="left" VALIGN="top"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>Cumulative total interest-earning assets divided by cumulative total interest-bearing liabilities. </TD></TR></TABLE>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">For purposes of interest rate risk management, we direct more attention on simulation modeling, such as &#147;net interest income at
risk&#148; as previously discussed, rather than gap analysis. We consider the net interest income at risk simulation modeling to be more informative in forecasting future income at risk. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 59 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="toc120623_13"></A>ITEM 8.&nbsp;&nbsp;&nbsp;&nbsp;FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA </B></P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="index"></A>FINANCIAL
INSTITUTIONS, INC. AND SUBSIDIARIES </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Index to Consolidated Financial Statements </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Page&nbsp;&nbsp;</B></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#index120623_1">Management&#146;s Report on Internal Control over Financial Reporting</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">61</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="21"></TD>
<TD HEIGHT="21" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#index120623_2">Report of Independent Registered Public Accounting Firm (on Internal Control over Financial
Reporting)</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">62</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="21"></TD>
<TD HEIGHT="21" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#index120623_3">Report of Independent Registered Public Accounting Firm (on the Consolidated Financial
Statements)</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">63</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="21"></TD>
<TD HEIGHT="21" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#index120623_4">Consolidated Statements of Financial Condition at December&nbsp;31, 2015 and 2014</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">64</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="21"></TD>
<TD HEIGHT="21" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#index120623_5">Consolidated Statements of Income for the years ended December&nbsp;31, 2015, 2014 and 2013</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">65</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="21"></TD>
<TD HEIGHT="21" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#index120623_6">Consolidated Statements of Comprehensive Income for the years ended December&nbsp;31, 2015, 2014 and
2013</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">66</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="21"></TD>
<TD HEIGHT="21" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#index120623_7">Consolidated Statements of Changes in Shareholders&#146; Equity for the years ended December&nbsp;
31, 2015, 2014 and 2013</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">67</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="21"></TD>
<TD HEIGHT="21" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#index120623_8">Consolidated Statements of Cash Flows for the years ended December&nbsp;31, 2015, 2014 and 2013</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">69</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="21"></TD>
<TD HEIGHT="21" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#index120623_9">Notes to Consolidated Financial Statements</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">70</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 60 - </P>


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<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="index120623_1"></A>Management&#146;s Report on Internal Control over Financial
Reporting </B></P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Management is responsible for establishing and maintaining adequate internal control over financial reporting for Financial
Institutions, Inc. and its subsidiaries (the &#147;Company&#148;), as such term is defined in Exchange Act Rule 13a-15(f). The Company&#146;s system of internal control over financial reporting has been designed to provide reasonable assurance to
the Company&#146;s management and board of directors regarding the reliability of financial reporting and the preparation and fair presentation of financial statements for external purposes in accordance with U.S. generally accepted accounting
principles. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Any system of internal control over financial reporting, no matter how well designed, has inherent limitations, including the
possibility that a control can be circumvented or overridden and misstatements due to error or fraud may occur and not be detected.&nbsp;Also, because of changes in conditions, internal control effectiveness may vary over time.&nbsp;Accordingly,
even an effective system of internal control will provide only reasonable assurance with respect to financial statement preparation and presentation. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company&#146;s management has, including the Company&#146;s principal executive officer and principal financial officer as identified
below, assessed the effectiveness of the Company&#146;s internal control over financial reporting as of December&nbsp;31, 2015. To make this assessment, we used the criteria for effective internal control over financial reporting described in
<I>Internal Control &#150; Integrated Framework (2013)</I>, issued by the Committee of Sponsoring Organizations of the Treadway Commission. Based on our assessment and based on such criteria, we believe that, as of December&nbsp;31, 2015, the
Company&#146;s internal control over financial reporting was effective. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">KPMG LLP, the Company&#146;s independent registered public
accounting firm that audited the Company&#146;s consolidated financial statements has issued an attestation report on internal control over financial reporting as of December&nbsp;31, 2015. That report appears herein. </P>
<P STYLE="font-size:48pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><I>/s/ Martin K. Birmingham</I></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><I>/s/ Kevin B. Klotzbach</I></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">President and Chief Executive Officer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Executive Vice President and Chief Financial Officer</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">March 8, 2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">March 8, 2016</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 61 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="index120623_2"></A>Report of Independent Registered Public Accounting Firm </B></P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Board of Directors and Shareholders </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Financial Institutions,
Inc.: </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We have audited Financial Institutions, Inc. and subsidiaries&#146; (the Company) internal control over financial reporting as of
December&nbsp;31, 2015, based on criteria established in <I>Internal Control &#150; Integrated Framework (2013)</I> issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO)<I>.</I> The Company&#146;s management is
responsible for maintaining effective internal control over financial reporting and for its assessment of the effectiveness of internal control over financial reporting, included in the accompanying Management&#146;s Report on Internal Control over
Financial Reporting. Our responsibility is to express an opinion on the Company&#146;s internal control over financial reporting based on our audit. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We conducted our audit in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards
require that we plan and perform the audit to obtain reasonable assurance about whether effective internal control over financial reporting was maintained in all material respects. Our audit included obtaining an understanding of internal control
over financial reporting, assessing the risk that a material weakness exists, and testing and evaluating the design and operating effectiveness of internal control based on the assessed risk. Our audit also included performing such other procedures
as we considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our opinion. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">A company&#146;s
internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted
accounting principles. A company&#146;s internal control over financial reporting includes those policies and procedures that (1)&nbsp;pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions
and dispositions of the assets of the company; (2)&nbsp;provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that
receipts and expenditures of the company are being made only in accordance with authorizations of management and directors of the company; and (3)&nbsp;provide reasonable assurance regarding prevention or timely detection of unauthorized
acquisition, use, or disposition of the company&#146;s assets that could have a material effect on the financial statements. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Because of
its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because
of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In our opinion, Financial
Institutions, Inc. and subsidiaries maintained, in all material respects, effective internal control over financial reporting as of December&nbsp;31, 2015, based on criteria established in <I>Internal Control &#150; Integrated Framework (2013)</I>
issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We also have audited, in accordance with the
standards of the Public Company Accounting Oversight Board (United States), the consolidated statements of financial condition of Financial Institutions, Inc. and subsidiaries as of December&nbsp;31, 2015 and 2014, and the related consolidated
statements of income, comprehensive income, changes in shareholders&#146; equity, and cash flows for each of the years in the three-year period ended December&nbsp;31, 2015, and our report dated March 8, 2016 expressed an unqualified opinion on
those consolidated financial statements<I>.</I> </P> <P STYLE="margin-top:48pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>/s/ KPMG LLP </I></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:2%; text-indent:-2%; font-size:10pt; font-family:Times New Roman">Rochester, New York </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2%; text-indent:-2%; font-size:10pt; font-family:Times New Roman">March 8, 2016 </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 62 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="index120623_3"></A>Report of Independent Registered Public Accounting Firm </B></P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Board of Directors and Shareholders </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Financial Institutions,
Inc.: </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We have audited the accompanying consolidated statements of financial condition of Financial Institutions, Inc. and subsidiaries (the Company) as
of December&nbsp;31, 2015 and 2014, and the related consolidated statements of income, comprehensive income, changes in shareholders&#146; equity, and cash flows for each of the years in the three year period ended December&nbsp;31, 2015. These
consolidated financial statements are the responsibility of the Company&#146;s management. Our responsibility is to express an opinion on these consolidated financial statements based on our audits. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan
and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements.
An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of Financial
Institutions, Inc. and subsidiaries as of December&nbsp;31, 2015 and 2014, and the results of their operations and their cash flows for each of the years in the three year period ended December&nbsp;31, 2015, in conformity with U.S.&nbsp;generally
accepted accounting principles. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States),
the Financial Institutions, Inc.&#146;s internal control over financial reporting as of December&nbsp;31, 2015, based on criteria established in<I> Internal Control - Integrated Framework (2013)</I><I>&nbsp;</I>issued by the Committee of Sponsoring
Organizations of the Treadway Commission (COSO), and our report dated March 8, 2016 expressed an unqualified opinion on the effectiveness of the Company&#146;s internal control over financial reporting. </P>
<P STYLE="margin-top:48pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>/s/ KPMG LLP </I></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:2%; text-indent:-2%; font-size:10pt; font-family:Times New Roman">Rochester, New York </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2%; text-indent:-2%; font-size:10pt; font-family:Times New Roman">March 8, 2016 </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 63 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="index120623_4"></A>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Consolidated Statements of Financial Condition </B></P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="94%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><FONT STYLE="font-size:9pt"><B><I>(Dollars in thousands, except share and per share data)</I></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ASSETS</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash and due from banks</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">60,121&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">58,151&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities available for sale, at fair value</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">544,395&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">622,494&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities held to maturity, at amortized cost (fair value of $490,064 and $298,695, respectively)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">485,717&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">294,438&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans held for sale</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,430&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">755&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans (net of allowance for loan losses of $27,085 and $27,637, respectively)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,056,677&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,884,365&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company owned life insurance</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">63,045&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">61,004&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Premises and equipment, net</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39,445&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36,394&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Goodwill and other intangible assets, net</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">66,946&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">68,639&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63,248&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63,281&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:6.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,381,024&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,089,521&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"> &nbsp;&nbsp;&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>LIABILITIES AND SHAREHOLDERS&#146; EQUITY</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deposits:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest-bearing demand</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">641,972&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">571,260&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing demand</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">523,366&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">490,190&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Savings and money market</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">928,175&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">795,835&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Time deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">637,018&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">593,242&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total deposits</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,730,531&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,450,527&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Short-term borrowings</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">293,100&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">334,804&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Long-term borrowings, net of issuance costs of $1,010</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">38,990&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,559&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,658&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:6.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,087,180&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,809,989&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commitments and contingencies (Note 10)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Shareholders&#146; equity:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Series A 3% preferred stock, $100 par value; 1,533 shares authorized; 1,492 shares issued</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">149&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">149&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Series B-1 8.48% preferred stock, $100 par value; 200,000 shares authorized; 171,906 shares issued</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">17,191&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">17,191&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total preferred equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,340&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,340&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common stock, $0.01 par value; 50,000,000 shares authorized; 14,397,509 shares issued</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">144&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">144&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Additional paid-in capital</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">72,690&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">72,955&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Retained earnings</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">218,920&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">203,312&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accumulated other comprehensive loss</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(11,327)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9,011)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Treasury stock, at cost &#150; <B></B>207,317 and 279,461 shares, respectively</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(3,923)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(5,208)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:6.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total shareholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">293,844&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">279,532&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:6.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities and shareholders&#146; equity</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,381,024&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,089,521&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:150pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">See accompanying notes to the consolidated financial statements. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 64 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="index120623_5"></A>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Consolidated Statements of Income </B></P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="91%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><FONT STYLE="font-size:9pt"><B><I>(Dollars in thousands, except per share amounts)</I></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Years ended December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2013&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest income:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest and fees on loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">83,575&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">82,453&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">81,468&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest and dividends on investment <B></B>securities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">21,875&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">18,602&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">17,463&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total interest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">105,450&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">101,055&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">98,931&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest expense:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,306&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,366&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,600&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Short-term borrowings</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,081&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">915&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">737&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Long-term borrowings</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,750&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total interest expense</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10,137&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,281&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,337&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95,313&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">93,774&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">91,594&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for loan losses</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,381&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,789&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9,079&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net interest income after provision for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">87,932&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85,985&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82,515&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest income:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Service charges on deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,742&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,954&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,948&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Insurance income</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">5,166&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,399&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">262&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ATM and debit card</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,084&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,963&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,098&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment advisory</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,193&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,138&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,345&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company owned life insurance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,962&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,753&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,706&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investments in limited partnerships</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">895&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,103&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">857&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loan servicing</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">503&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">568&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">570&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net gain on sale of loans held for sale</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">249&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">313&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">117&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net gain on disposal of investment securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,988&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,041&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,226&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net gain (loss) on sale and disposal of other assets</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">27&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">69&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(103)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amortization of tax credit investment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(390)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,323)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,918&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,372&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,807&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total noninterest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,337&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,350&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,833&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest expense:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Salaries and employee benefits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,439&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38,595&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37,828&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Occupancy and equipment</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13,856&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">12,829&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">12,366&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Professional services</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,502&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,760&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,836&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Computer and data processing</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,186&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,016&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,848&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Supplies and postage</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,155&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,053&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,342&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FDIC assessments</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,719&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,592&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,464&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Advertising and promotions</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,120&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">805&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">896&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Goodwill impairment</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">751&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,665&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,705&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,861&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total noninterest expense</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">79,393&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">72,355&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">69,441&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income before income taxes</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38,876&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38,980&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37,907&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income tax expense</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10,539&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9,625&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">12,377&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">28,337&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">29,355&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">25,530&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Preferred stock dividends</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,462&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,462&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,466&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income available to common shareholders</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">26,875&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">27,893&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">24,064&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"> &nbsp;&nbsp;&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Earnings per common share (Note 16):</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Basic</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1.91&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2.01&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1.75&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Diluted</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1.90&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2.00&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1.75&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash dividends declared per common share</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.80&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.77&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.74&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"> &nbsp;&nbsp;&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average common shares outstanding:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Basic</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,081&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,893&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,739&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Diluted</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">14,135&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13,946&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13,784&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:30pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">See accompanying notes to the consolidated financial statements. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 65 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="index120623_6"></A>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Consolidated Statements of Comprehensive Income </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="91%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><FONT STYLE="font-size:9pt"><B><I>(Dollars in thousands)</I></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Years ended December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2013&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">28,337&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">29,355&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">25,530&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other comprehensive (loss) income, net of tax:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net unrealized (losses) gains on securities available for sale</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(2,321)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6,962&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(21,397)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Pension and post-retirement obligations</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5,786)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,957&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total other comprehensive (loss) income, net of tax</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(2,316)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,176&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(13,440)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Comprehensive income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">26,021&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">30,531&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">12,090&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:500pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">See accompanying notes to the consolidated financial statements. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 66 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="index120623_7"></A>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Consolidated Statements of Changes in Shareholders&#146; Equity </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Years ended December&nbsp;31, 2015, 2014 and 2013 </B></P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


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<TD></TD>
<TD></TD>
<TD></TD>
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<TD></TD>
<TD></TD>
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<TD></TD>
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<TD></TD>
<TD></TD>
<TD></TD>
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<TD></TD>
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<TD></TD>
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<TD></TD>
<TD></TD>
<TD></TD>
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<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman"><B><I>(Dollars in thousands,</I></B></P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman"><B><I>except per share data)</I></B></P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B> &nbsp;&nbsp;&nbsp;&nbsp; </B></P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="border-bottom:1.00pt solid #000000" ALIGN="center"><B>Preferred</B> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Equity</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="border-bottom:1.00pt solid #000000" ALIGN="center"><B>Common</B> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Stock</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="border-bottom:1.00pt solid #000000" ALIGN="center"><B>Additional</B> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Paid-in</B></P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Capital</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="border-bottom:1.00pt solid #000000" ALIGN="center"><B>Retained</B> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Earnings</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="border-bottom:1.00pt solid #000000" ALIGN="center"><B>Accumulated</B> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Other</B></P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Comprehensive</B></P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Income&nbsp;(Loss)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="border-bottom:1.00pt solid #000000" ALIGN="center"><B>Treasury</B> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Stock</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="border-bottom:1.00pt solid #000000" ALIGN="center"><B>Total</B> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Shareholders&#146;</B></P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Equity</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Balance at January&nbsp;1, 2013</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;$</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right"><B>&nbsp;&nbsp;17,471</B></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;$</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right"><B>142</B></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;$</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right"><B>&nbsp;&nbsp;67,710</B></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;$</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right"><B>172,244</B></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;&nbsp;&nbsp;$</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right"><B>3,253</B></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;$</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right"><B>&nbsp;(6,923)</B></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;$</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right"><B>&nbsp;&nbsp;253,897</B></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Comprehensive income:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">25,530&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">25,530&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other comprehensive loss, net of tax</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(13,440)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(13,440)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Purchases of common stock for treasury</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(229)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(229)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Repurchase of Series A 3% preferred stock</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Repurchase of Series B-1 8.48% preferred stock</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(128)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(2)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(130)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Share-based compensation plans:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Share-based compensation</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">407&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">407&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock options exercised</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">432</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">448&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Restricted stock awards issued, net</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(446)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">446</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Excess tax expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(118)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(118)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock awards</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">105</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">112&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash dividends declared:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Series A 3% Preferred-$3.00 per share</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(5)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(5)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Series B-1 8.48% Preferred-$8.48 per share</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,461)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,461)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common-$0.74 per share</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(10,171)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(10,171)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Balance at December&nbsp;31, 2013</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>&nbsp;&nbsp;17,342</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;&nbsp;$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>142</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;&nbsp;$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>&nbsp;&nbsp;67,574</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;&nbsp;$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>186,137</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;&nbsp;&nbsp;&nbsp;$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>&nbsp;&nbsp;&nbsp;&nbsp;(10,187)</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>&nbsp;(6,169)</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;&nbsp;$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>&nbsp;&nbsp;254,839</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Comprehensive income:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,355&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,355&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other comprehensive income, net of tax</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,176&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,176&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common stock issued</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,398&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,400&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Purchases of common stock for treasury</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(194)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(194)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Repurchase of Series B-1 8.48% preferred stock</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Share-based compensation plans:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Share-based compensation</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">471&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">471</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock options exercised</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">32&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">635&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">667</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Restricted stock awards issued, net</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(520)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">520&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash dividends declared:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Series A 3% Preferred-$3.00 per share</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Series B-1 8.48% Preferred-$8.48 per share</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,458)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,458)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common-$0.77 per share</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(10,718)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(10,718)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Balance at December&nbsp;31, 2014</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;$</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right"><B>&nbsp;&nbsp;17,340&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;$</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right"><B>144&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;$</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right"><B>&nbsp;&nbsp;72,955&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;$</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right"><B>203,312</B></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;&nbsp;&nbsp;$</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right"><B>(9,011)</B></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;$</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right"><B>&nbsp;(5,208)</B></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;$</B></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right"><B>&nbsp;&nbsp;&nbsp;279,532</B></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"><B>&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="justify"><B><I>Continued on next page </I></B></P>
<P STYLE="margin-top:150pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">See accompanying notes to the consolidated financial statements. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 67 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Consolidated Statements of Changes in Shareholders&#146; Equity (Continued) </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Years ended December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman"><B><I>(Dollars in thousands,</I></B></P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman"><B><I>except per share data)</I></B></P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B> &nbsp;&nbsp;&nbsp;&nbsp;</B></P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><B> &nbsp;&nbsp;&nbsp;&nbsp;</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="border-bottom:1.00pt solid #000000" ALIGN="center"><B>Preferred</B> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Equity</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="border-bottom:1.00pt solid #000000" ALIGN="center"><B>Common</B> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Stock</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="border-bottom:1.00pt solid #000000" ALIGN="center"><B>Additional</B> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Paid-in</B></P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Capital</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="border-bottom:1.00pt solid #000000" ALIGN="center"><B>Retained</B> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Earnings</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="border-bottom:1.00pt solid #000000" ALIGN="center"><B>Accumulated</B> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Other</B></P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Comprehensive</B></P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Income&nbsp;(Loss)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="border-bottom:1.00pt solid #000000" ALIGN="center"><B>Treasury</B> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Stock</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="border-bottom:1.00pt solid #000000" ALIGN="center"><B>Total</B> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Shareholders&#146;</B></P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Equity</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Balance at
December&nbsp;31, 2014</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;$</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>&nbsp;&nbsp;17,340</B></P></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;&nbsp;</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;$</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>144</B></P></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;&nbsp;</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;$</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>&nbsp;&nbsp;72,955</B></P></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;&nbsp;</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;$</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>203,312</B></P></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;&nbsp;</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;$</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>(9,011)&nbsp;</B></P></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;&nbsp;</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;$</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>&nbsp;&nbsp;(5,208)</B></P></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;&nbsp;</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;$</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>279,532</B></P></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;&nbsp;</B></P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:Times New Roman"><B><I>Balance carried forward</I></B></P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Comprehensive income:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28,337&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28,337&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other comprehensive loss, net of tax</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(2,316)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(2,316)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Purchases of common stock for treasury</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(202)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(202)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Share-based compensation plans:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Share-based compensation</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">674&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">674&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock options exercised</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">353&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">359&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Restricted stock awards issued, net</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,052)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,052&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Excess tax benefit</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">79&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">79&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock awards</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">110&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash dividends declared:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Series A 3% Preferred-$3.00 per share</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Series B-1 8.48% Preferred-$8.48 per share</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,458)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,458)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common-$0.80 per share</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(11,267)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(11,267)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Balance at
December&nbsp;31, 2015</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;$</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>&nbsp;&nbsp;17,340</B></P></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;&nbsp;</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;$</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>144&nbsp;</B></P></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;&nbsp;</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;$</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>&nbsp;&nbsp;72,690&nbsp;</B></P></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;&nbsp;</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;$</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>218,920</B></P></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;&nbsp;</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;$</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>(11,327)</B></P></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;&nbsp;</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;$</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>&nbsp;&nbsp;(3,923)</B></P></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;&nbsp;</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;$</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>293,844</B></P></TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman"><B>&nbsp;&nbsp;</B></P></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:300pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">See accompanying notes to the consolidated financial statements. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 68 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="index120623_8"></A>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Consolidated Statements of Cash Flows </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="91%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><FONT STYLE="font-size:9pt"><B><I>(Dollars in thousands)</I></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Years ended December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2013&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash flows from operating activities:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">28,337&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">29,355&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">25,530&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Adjustments to reconcile net income to net cash provided by operating activities:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Depreciation and amortization</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,429&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,583&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,181&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net amortization of premiums on securities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,150&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,241&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,532&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,381&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,789&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,079&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Share-based compensation</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">674&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">471&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">407&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deferred income tax expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,798&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,154&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,547&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from sale of loans held for sale</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">16,195&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">16,543&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">26,184&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Originations of loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(16,621)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(14,457)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(31,657)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Increase in company owned life insurance</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,962)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,753)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,706)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net gain on sale of loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(249)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(313)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(117)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net gain on disposal of investment securities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,988)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(2,041)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,226)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amortization of tax credit investment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">390&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,323&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Goodwill impairment</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">751&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net (gain) loss on sale and disposal of other assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(27)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(69)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">103&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Contributions to defined benefit pension plan</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(8,000)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Increase in other assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(545)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,606)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6,640)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Increase (decrease) in other liabilities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">376&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(2,991)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6,981&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net cash provided by operating activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43,089&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35,229&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37,198&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash flows from investing activities:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Purchases of investment securities:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Available for sale</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(271,899)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(236,043)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(246,874)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Held to maturity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(64,397)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(63,770)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(19,598)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from principal payments, maturities and calls on investment securities:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127,257&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">140,338&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">143,053&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Held to maturity</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">36,162&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">31,026&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">14,784&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from sales of securities available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54,277&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81,600&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,327&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net increase in loans, excluding sales</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(180,067)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(84,812)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(131,949)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Purchases of company owned life insurance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(79)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(10,080)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(79)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from sales of other assets</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">365&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,576&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">555&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Purchases of premises and equipment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(7,493)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5,330)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,411)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash consideration paid for acquisition, net of cash acquired</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(7,995)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net cash used in investing activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(305,874)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(153,490)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(242,192)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash flows from financing activities:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net increase in deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">280,004&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">130,471&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58,262&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net (decrease) increase in short-term borrowings</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(41,704)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(2,238)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">157,236&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Issuance of long-term debt</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,000&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Debt issuance costs</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,060)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Repurchase of preferred stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(131)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Purchases of common stock for treasury</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(202)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(194)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(229)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from stock options exercised</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">359&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">667&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">448&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Excess tax benefit (expense) on share-based compensation</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">79&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(118)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash dividends paid to preferred shareholders</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,462)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,463)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,468)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash dividends paid to common shareholders</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(11,259)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(10,521)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(9,750)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net cash provided by financing activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">264,755&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">116,720&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">204,250&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net increase (decrease) in cash and cash equivalents</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,970&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,541)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(744)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash and cash equivalents, beginning of period</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58,151&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,692&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,436&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash and cash equivalents, end of period</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">60,121&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">58,151&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">59,692&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:40pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">See accompanying notes to the consolidated financial statements. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 69 - </P>


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<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="index120623_9"></A>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December&nbsp;31, 2015, 2014 and 2013 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(1.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES </B></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Financial Institutions, Inc. (individually
referred to herein as the &#147;Parent Company&#148; and together with all of its subsidiaries, collectively referred to herein as the &#147;Company&#148;) is a financial holding company organized in 1931 under the laws of New York State (&#147;New
York&#148;). At December&nbsp;31, 2015, the Company conducted its business through its two subsidiaries: Five Star Bank (the &#147;Bank&#148;), a New York chartered bank; and Scott Danahy Naylon, LLC (&#147;SDN&#148;), a full service insurance
agency. The Company provides a full range of banking and related financial services to consumer, commercial and municipal customers through its bank and nonbank subsidiaries. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The accounting and reporting policies conform to general practices within the banking industry and to U.S. generally accepted accounting
principles (&#147;GAAP&#148;). </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company has evaluated events and transactions for potential recognition or disclosure through the day
the financial statements were issued.&nbsp;Other than completing the acquisition of Courier Capital Corporation (&#147;Courier&#148;), as described below, the Company did not have any material recognizable subsequent events. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">On January 5, 2016, the Company completed its acquisition of Courier, a leading SEC-registered investment advisory and wealth management firm
based in western New York, with operations in Buffalo and Jamestown.&nbsp;Courier will operate as a subsidiary of Financial Institutions, Inc. and an affiliate of the Bank and SDN. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following is a description of the Company&#146;s significant accounting policies. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(a.)&nbsp;&nbsp;Principles of Consolidation </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The consolidated financial statements include the accounts of the Company and its subsidiaries.&nbsp;All significant
intercompany accounts and transactions have been eliminated in consolidation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(b.)&nbsp;&nbsp;Use of Estimates </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In preparing the consolidated financial statements in conformity with GAAP, management is required to make estimates and
assumptions that affect the reported amount of assets and liabilities as of the date of the statement of financial condition and reported amounts of revenue and expenses during the reporting period. Material estimates relate to the determination of
the allowance for loan losses, the carrying value of goodwill and deferred tax assets, and assumptions used in the defined benefit pension plan accounting. These estimates and assumptions are based on management&#146;s best estimates and judgment
and are evaluated on an ongoing basis using historical experience and other factors, including the current economic environment. The Company adjusts these estimates and assumptions when facts and circumstances dictate. As future events cannot be
determined with precision, actual results could differ significantly from the Company&#146;s estimates. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(c.)&nbsp;&nbsp;Cash Flow
Reporting </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Cash and cash equivalents include cash and due from banks, federal funds sold and interest-bearing
deposits in other banks.&nbsp;Net cash flows are reported for loans, deposit transactions and short-term borrowings. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 70 - </P>


<p Style='page-break-before:always'>
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<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(1.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Supplemental cash flow information is summarized as follows for the years ended
December&nbsp;31 (in thousands): </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="96%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


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<TD></TD>
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<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="89%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2013&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash payments:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">9,323&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">6,826&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">7,750&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income taxes</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,494&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13,665&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8,095&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noncash investing and financing activities:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Real estate and other assets acquired in settlement of loans</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">374&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">394&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">726&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accrued and declared unpaid dividends</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,185&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,177&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,981&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">(Decrease) increase in net unsettled security purchases</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(478)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">568&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(51,112)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities transferred from available for sale to held to maturity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">165,238&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,802&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">227,330&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans transferred from held for sale to held for investment</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">853&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,727&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common stock issued for acquisition</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,400&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Assets acquired and liabilities assumed in business combinations:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans and other non-cash assets, excluding goodwill and core deposit intangible asset</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,007&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deposits and other liabilities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,112&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(d.)&nbsp;&nbsp;Investment Securities </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Investment securities are classified as either available for sale or held to maturity. Debt securities that management has the
positive intent and ability to hold to maturity are classified as held to maturity and are recorded at amortized cost. Other investment securities are classified as available for sale and recorded at fair value, with unrealized gains and losses
excluded from earnings and reported as a component of comprehensive income and shareholders&#146; equity. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Purchase
premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Securities are evaluated periodically to determine whether a decline in their fair value is other than temporary. Management
utilizes criteria such as, the current intent to hold or sell the security, the magnitude and duration of the decline and, when appropriate, consideration of negative changes in expected cash flows, creditworthiness, near term prospects of issuers,
the level of credit subordination, estimated loss severity, and delinquencies, to determine whether a loss in value is other than temporary.&nbsp;The term &#147;other than temporary&#148; is not intended to indicate that the decline is permanent,
but indicates that the prospect for a near-term recovery of value is not necessarily favorable.&nbsp;Declines in the fair value of investment securities below their cost that are deemed to be other than temporary are reflected in earnings as
realized losses to the extent the impairment is related to credit issues or concerns, or the security is intended to be sold. The amount of impairment related to non-credit related factors is recognized in other comprehensive income. Gains and
losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(e.)&nbsp;&nbsp;Loans Held for Sale and Loan Servicing Rights </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company generally makes the determination of whether to identify a mortgage as held for sale at the time the loan is closed
based on the Company&#146;s intent and ability to hold the loan. Loans held for sale are recorded at the lower of cost or market computed on the aggregate portfolio basis. The amount, by which cost exceeds market value, if any, is accounted for as a
valuation allowance with changes included in the determination of results of operations for the period in which the change occurs. The amount of loan origination costs and fees are deferred at origination and recognized as part of the gain or loss
on sale of the loans, determined using the specific identification method, in the consolidated statements of income. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 71 - </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


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<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(1.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company originates and sells certain residential real estate loans in the
secondary market. The Company typically retains the right to service the mortgages upon sale. Mortgage-servicing rights (&#147;MSRs&#148;) represent the cost of acquiring the contractual rights to service loans for others. MSRs are recorded at their
fair value at the time a loan is sold and servicing rights are retained. MSRs are reported in other assets in the consolidated statements of financial position and are amortized to noninterest income in the consolidated statements of income in
proportion to and over the period of estimated net servicing income. The Company uses a valuation model that calculates the present value of future cash flows to determine the fair value of servicing rights. In using this valuation method, the
Company incorporates assumptions to estimate future net servicing income, which include estimates of the cost to service the loan, the discount rate, an inflation rate and prepayment speeds. On a quarterly basis, the Company evaluates its MSRs for
impairment and charges any such impairment to current period earnings. In order to evaluate its MSRs the Company stratifies the related mortgage loans on the basis of their predominant risk characteristics, such as interest rates, year of
origination and term, using discounted cash flows and market-based assumptions. Impairment of MSRs is recognized through a valuation allowance, determined by estimating the fair value of each stratum and comparing it to its carrying value.
Subsequent increases in fair value are adjusted through the valuation allowance, but only to the extent of the valuation allowance. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Mortgage loan servicing includes collecting monthly mortgagor payments, forwarding payments and related accounting reports to
investors, collecting escrow deposits for the payment of mortgagor property taxes and insurance, paying taxes and insurance from escrow funds when due and administrating foreclosure actions when necessary.&nbsp;Loan servicing income (a component of
noninterest income in the consolidated statements of income) consists of fees earned for servicing mortgage loans sold to third parties, net of amortization expense and impairment losses associated with capitalized mortgage servicing assets </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(f.)&nbsp;&nbsp;Loans </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Loans are classified as held for investment when management has both the intent and ability to hold the loan for the
foreseeable future, or until maturity or payoff.&nbsp;Loans are carried at the principal amount outstanding, net of any unearned income and unamortized deferred fees and costs on originated loans.&nbsp;Loan origination fees and certain direct loan
origination costs are deferred, and the net amount is amortized into net interest income over the contractual life of the related loans or over the commitment period as an adjustment of yield.&nbsp;Interest income on loans is based on the principal
balance outstanding computed using the effective interest method. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">A loan is considered delinquent when a payment has not
been received in accordance with the contractual terms.&nbsp;The accrual of interest income for commercial loans is discontinued when there is a clear indication that the borrower&#146;s cash flow may not be sufficient to meet payments as they
become due, while the accrual of interest income for retail loans is discontinued when loans reach specific delinquency levels. Loans are generally placed on nonaccrual status when contractually past due 90 days or more as to interest or principal
payments, unless the loan is well secured and in the process of collection. Additionally, if management becomes aware of facts or circumstances that may adversely impact the collectability of principal or interest on loans, it is management&#146;s
practice to place such loans on a nonaccrual status immediately, rather than delaying such action until the loans become 90 days past due. When a loan is placed on nonaccrual status, previously accrued and uncollected interest is reversed,
amortization of related deferred loan fees or costs is suspended, and income is recorded only to the extent that interest payments are subsequently received in cash and a determination has been made that the principal balance of the loan is
collectible. If collectability of the principal is in doubt, payments received are applied to loan principal. A nonaccrual loan may be returned to accrual status when all delinquent principal and interest payments become current in accordance with
the terms of the loan agreement, the borrower has demonstrated a period of sustained performance (generally a minimum of six months) and the ultimate collectability of the total contractual principal and interest is no longer in doubt. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company&#146;s loan policy dictates the guidelines to be followed in determining when a loan is charged-off. All charge
offs are approved by the Bank&#146;s senior loan officers or loan committees, depending on the amount of the charge off, and are reported in aggregate to the Bank&#146;s Board of Directors. Commercial business and commercial mortgage loans are
charged-off when a determination is made that the financial condition of the borrower indicates that the loan will not be collectible in the ordinary course of business. Residential mortgage loans and home equities are generally charged-off or
written down when the credit becomes severely delinquent and the balance exceeds the fair value of the property less costs to sell. Indirect and other consumer loans, both secured and unsecured, are generally charged-off in full during the month in
which the loan becomes 120 days past due, unless the collateral is in the process of repossession in accordance with the Company&#146;s policy. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 72 - </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(1.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">A loan is accounted for as a troubled debt restructuring if the Company, for
economic or legal reasons related to the borrower&#146;s financial condition, grants a significant concession to the borrower that it would not otherwise consider. A troubled debt restructuring may involve the receipt of assets from the debtor in
partial or full satisfaction of the loan, or a modification of terms such as a reduction of the stated interest rate or face amount of the loan, a reduction of accrued interest, an extension of the maturity date at a stated interest rate lower than
the current market rate for a new loan with similar risk, or some combination of these concessions. Troubled debt restructurings generally remain on nonaccrual status until there is a sustained period of payment performance (usually six months or
longer) and there is a reasonable assurance that the payments will continue. See Allowance for Loan Losses below for further policy discussion and see Note 5 &#150; Loans for additional information. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(g.)&nbsp;&nbsp;Off-Balance Sheet Financial Instruments </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In the ordinary course of business, the Company enters into off-balance sheet financial instruments consisting of commitments
to extend credit, standby letters of credit and financial guarantees. Such financial instruments are recorded in the consolidated financial statements when they are funded or when related fees are incurred or received.&nbsp;The Company periodically
evaluates the credit risks inherent in these commitments and establishes loss allowances for such risks if and when these are deemed necessary. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company recognizes as liabilities the fair value of the obligations undertaken in issuing the guarantees under the standby
letters of credit, net of the related amortization at inception. The fair value approximates the unamortized fees received from the customers for issuing the standby letters of credit. The fees are deferred and recognized on a straight-line basis
over the commitment period.&nbsp;Standby letters of credit outstanding at December&nbsp;31, 2015 had original terms ranging from one to five years.Fees received for providing loan commitments and letters of credit that result in loans are typically
deferred and amortized to interest income over the life of the related loan, beginning with the initial borrowing. Fees on commitments and letters of credit are amortized to other income as banking fees and commissions over the commitment period
when funding is not expected. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(h.)&nbsp;&nbsp;Allowance for Loan Losses </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The allowance for loan losses is established through charges to earnings in the form of a provision for loan losses.&nbsp;When
a loan or portion of a loan is determined to be uncollectible, the portion deemed uncollectible is charged against the allowance and subsequent recoveries, if any, are credited to the allowance. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The allowance for loan losses is evaluated on a regular basis and is based upon periodic review of the collectability of the
loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower&#146;s ability to repay, estimated value of any underlying collateral, and prevailing economic conditions. This
evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The allowance consists of specific and general components.&nbsp;Specific allowances are established for impaired loans.
Impaired commercial business and commercial mortgage loans are individually evaluated and measured for impairment based on the present value of expected future cash flows discounted at the loan&#146;s effective interest rate, a loan&#146;s
observable market price, or the fair value of the collateral if the loan is collateral dependent. Regardless of the measurement method, impairment is based on the fair value of the collateral when foreclosure is probable. If the recorded investment
in impaired loans exceeds the measure of estimated fair value, a specific allowance is established as a component of the allowance for loan losses. Interest payments on impaired loans are typically applied to principal unless collectability of the
principal amount is reasonably assured, in which case interest is recognized on a cash basis.&nbsp;Impaired loans, or portions thereof, are charged-off when deemed uncollectible. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 73 - </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(1.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">A loan is considered impaired when, based on current information and events,
it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered in determining impairment include payment status and the
probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. The Company determines the significance of payment
delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#146;s prior payment record,
and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis by either the present value of expected future cash flows discounted at the loan&#146;s effective interest rate, the loans
obtainable market price, or the fair value of the collateral if the loan is collateral dependent. Large groups of homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer
and residential loans for impairment disclosures unless the loan has been subject to a troubled debt restructure. At December&nbsp;31, 2015, there were no commitments to lend additional funds to those borrowers whose loans were classified as
impaired. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">General allowances are established for loan losses on a portfolio basis for loans that do not meet the
definition of impaired. The portfolio is grouped into similar risk characteristics, primarily loan type.&nbsp;The Company applies an estimated loss rate, which considers both look-back and loss emergence periods, to each loan group.&nbsp;The loss
rate is based on historical experience, with look-back periods that range from 24 to 48 months depending on the loan type, and as a result can differ from actual losses incurred in the future.&nbsp;The historical loss rate is adjusted by the loss
emergence periods that range from 12 to 24 months depending on the loan type and for qualitative factors such as; levels and trends of delinquent and non-accruing loans, trends in volume and terms, effects of changes in lending policy, the
experience, ability and depth of management, national and local economic trends and conditions, concentrations of credit risk, interest rates, highly leveraged borrowers, information risk and collateral risk.&nbsp;The qualitative factors are
reviewed at least quarterly and adjustments are made as needed. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">While management evaluates currently available information
in establishing the allowance for loan losses, future adjustments to the allowance may be necessary if conditions differ substantially from the assumptions used in making the evaluations. In addition, various regulatory agencies, as an integral part
of their examination process, periodically review a financial institution&#146;s allowance for loan losses. Such agencies may require the financial institution to recognize additions to the allowance based on their judgments about information
available to them at the time of their examination. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(i.)&nbsp;&nbsp;&nbsp;Other Real Estate Owned </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Other real estate owned consists of properties acquired through foreclosure or by acceptance of a deed in lieu of foreclosure.
These assets are recorded at the lower of fair value of the asset acquired less estimated costs to sell or &#147;cost&#148; (defined as the fair value at initial foreclosure). At the time of foreclosure, or when foreclosure occurs in-substance, the
excess, if any, of the loan over the fair market value of the assets received, less estimated selling costs, is charged to the allowance for loan losses and any subsequent valuation write-downs are charged to other expense.&nbsp;In connection with
the determination of the allowance for loan losses and the valuation of other real estate owned, management obtains appraisals for properties.&nbsp;Operating costs associated with the properties are charged to expense as incurred. Gains on the sale
of other real estate owned are included in income when title has passed and the sale has met the minimum down payment requirements prescribed by GAAP.&nbsp;The balance of other real estate owned was $163 thousand and $194 thousand at
December&nbsp;31, 2015 and 2014, respectively. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(j.)&nbsp;&nbsp;Company Owned Life Insurance </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company holds life insurance policies on certain current and former employees.&nbsp;The Company is the owner and
beneficiary of the policies.&nbsp;The cash surrender value of these policies is included as an asset on the consolidated statements of financial condition, and any increase in cash surrender value is recorded as noninterest income on the
consolidated statements of income.&nbsp;In the event of the death of an insured individual under these policies, the Company would receive a death benefit which would be recorded as noninterest income. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 74 - </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(1.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(k.)&nbsp;&nbsp;Premises and Equipment </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Premises and equipment are stated at cost, less accumulated depreciation and amortization.&nbsp;Depreciation is computed on the
straight-line method over the estimated useful lives of the assets.&nbsp;The Company generally amortizes buildings and building improvements over a period of 15 to 39 years and software, furniture and equipment over a period of 3 to 10
years.&nbsp;Leasehold improvements are amortized over the shorter of the lease term or the useful life of the improvements.&nbsp;Premises and equipment are periodically reviewed for impairment or when circumstances present indicators of impairment.
</P> <P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(l.)&nbsp;&nbsp;&nbsp;Goodwill and Other Intangible Assets </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The excess of the cost of an acquisition over the fair value of the net assets acquired consists primarily of goodwill, core
deposit intangibles, and other identifiable intangible assets. Intangible assets are acquired assets that lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of
being sold or exchanged either on its own or in combination with a related contract, asset, or liability. The Company&#146;s intangible assets consist of core deposits and other intangible assets (primarily customer relationships). Core deposit
intangible assets are amortized on an accelerated basis over their estimated life of approximately nine and a half years. Other intangible assets are amortized on an accelerated basis over their weighted average estimated life of approximately
twenty years. The Company reviews long-lived assets and certain identifiable intangibles for impairment at least annually, or whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable, in which
case an impairment charge would be recorded. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Goodwill is not amortized but, instead, is subject to impairment tests on at
least an annual basis, and more frequently if an event occurs or circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying amount. The impairment testing process is conducted by assigning net
assets and goodwill to each reporting unit. An initial qualitative evaluation is made to assess the likelihood of impairment and determine whether further quantitative testing to calculate the fair value is necessary. When the qualitative evaluation
indicates that impairment is more likely than not, quantitative testing is required whereby the fair value of each reporting unit is calculated and compared to the recorded book value, &#147;Step 1.&#148; If the calculated fair value of the
reporting unit exceeds its carrying value, goodwill is not considered impaired and &#147;Step 2&#148; is not considered necessary. If the carrying value of a reporting unit exceeds its calculated fair value, the impairment test continues (&#147;Step
2&#148;) by comparing the carrying value of the reporting unit&#146;s goodwill to the implied fair value of goodwill. The implied fair value is computed by adjusting all assets and liabilities of the reporting unit to current fair value with the
offset adjustment to goodwill. The adjusted goodwill balance is the implied fair value of the goodwill. An impairment charge is recognized if the carrying value of goodwill exceeds the implied fair value of goodwill. See Note 7 for additional
information on goodwill and other intangible assets. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(m.)&nbsp;&nbsp;Federal Home Loan Bank (&#147;FHLB&#148;) and Federal Reserve
Bank (&#147;FRB&#148;) Stock </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The non-marketable investments in FHLB and FRB stock are included in other assets in
the consolidated statements of financial condition at par value or cost and are periodically reviewed for impairment.&nbsp;The dividends received relative to these investments are included in other noninterest income in the consolidated statements
of income. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">As a member of the FHLB system, the Company is required to maintain a specified investment in FHLB of New York
(&#147;FHLBNY&#148;) stock in proportion to its volume of certain transactions with the FHLB. FHLBNY stock totaled $15.1 million as of December&nbsp;31, 2015 and 2014. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">As a member of the FRB system, the Company is required to maintain a specified investment in FRB stock based on a ratio
relative to the Company&#146;s capital. FRB stock totaled $4.9 million and $3.9 million as of December&nbsp;31, 2015 and 2014, respectively. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(n.)&nbsp;&nbsp;Equity Method Investments </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company has investments in limited partnerships, primarily Small Business Investment Companies, and accounts for these
investments under the equity method.&nbsp;These investments are included in other assets in the consolidated statements of financial condition and totaled $5.0 million and $4.9 million as of December&nbsp;31, 2015 and 2014, respectively. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(o.)&nbsp;&nbsp;Treasury Stock </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Acquisitions of treasury stock are recorded at cost.&nbsp;The reissuance of shares in treasury is recorded at weighted-average
cost. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 75 - </P>


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<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(1.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(p.)&nbsp;&nbsp;Employee Benefits </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company maintains an employer sponsored 401(k) plan where participants may make contributions in the form of salary
deferrals and the Company provides matching contributions in accordance with the terms of the plan.&nbsp;&nbsp;&nbsp;&nbsp;Contributions due under the terms of our defined contribution plans are accrued as earned by employees. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company also participates in a non-contributory defined benefit pension plan for certain employees who previously met
participation requirements. The Company also provides post-retirement benefits, principally health and dental care, to employees of a previously acquired entity. The Company has closed the pension and post-retirement plans to new participants. The
actuarially determined pension benefit is based on years of service and the employee&#146;s highest average compensation during five consecutive years of employment. The Company&#146;s policy is to at least fund the minimum amount required by the
Employment Retirement Income Security Act of 1974. The cost of the pension and post-retirement plans are based on actuarial computations of current and future benefits for employees, and is charged to noninterest expense in the consolidated
statements of income. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company recognizes an asset or a liability for a plans&#146; overfunded status or underfunded
status, respectively, in the consolidated financial statements and reports changes in the funded status as a component of other comprehensive income, net of applicable taxes, in the year in which changes occur. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Effective January&nbsp;1, 2016, the Company&#146;s 401(k) plan was amended and the Company&#146;s matching contribution was
discontinued. Concurrent with the 401(k) plan amendment, the Company&#146;s defined benefit pension plan was amended to modify the current benefit formula to reflect the discontinuance of the matching contribution in the 401(k) plan, to open the
defined benefit pension plan up to eligible employees who were hired on and after January&nbsp;1, 2007, and provide those new participants with a cash balance benefit formula. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(q.)&nbsp;&nbsp;Share-Based Compensation Plans </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Compensation expense for stock options and restricted stock awards is based on the fair value of the award on the measurement
date, which, for the Company, is the date of grant and is recognized ratably over the service period of the award. The fair value of stock options is estimated using the Black-Scholes option-pricing model. The fair value of restricted stock awards
is generally the market price of the Company&#146;s stock on the date of grant. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Share-based compensation expense is
included in the consolidated statements of income under salaries and employee benefits for awards granted to management and in other noninterest expense for awards granted to directors. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(r.)&nbsp;&nbsp;Income Taxes </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Income taxes are accounted for using the asset and liability method.&nbsp;Deferred tax assets and liabilities are recognized
for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases.&nbsp;Deferred tax assets and liabilities are measured using enacted tax
rates in effect for the year in which those temporary differences are expected to be recovered or settled.&nbsp;The effect of a change in tax rates on deferred tax assets and liabilities is recognized in income in the period that includes the
enactment date.&nbsp;A valuation allowance is recognized on deferred tax assets if, based upon the weight of available evidence, it is more likely than not that some or all of the assets may not be realized.&nbsp;The Company recognizes interest
and/or penalties related to income tax matters in income tax expense. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(s.)&nbsp;&nbsp;Comprehensive Income </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Comprehensive income includes all changes in shareholders&#146; equity during a period, except those resulting from
transactions with shareholders. In addition to net income, other components of the Company&#146;s comprehensive income include the after tax effect of changes in net unrealized gain / loss on securities available for sale and changes in net
actuarial gain / loss on defined benefit post-retirement plans. Comprehensive income is reported in the accompanying consolidated statements of changes in shareholders&#146; equity and consolidated statements of comprehensive income. See Note 13 -
Accumulated Other Comprehensive Income (Loss) for additional information. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 76 - </P>


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<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(1.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(t.)&nbsp;&nbsp;Earnings Per Common Share </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company calculates earnings per common share (&#147;EPS&#148;) using the two-class method in accordance with Financial
Accounting Standards Board (&#147;FASB&#148;) Accounting Standards Codification (&#147;ASC&#148;) Topic 260, &#147;Earnings Per Share&#148;. The two-class method requires the Company to present EPS as if all of the earnings for the period are
distributed to common shareholders and any participating securities, regardless of whether any actual dividends or distributions are made.&nbsp;All outstanding unvested share-based payment awards that contain rights to nonforfeitable dividends are
considered participating securities. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Basic EPS is computed by dividing distributed and undistributed earnings available to
common shareholders by the weighted average number of common shares outstanding for the period. Distributed and undistributed earnings available to common shareholders represent net income reduced by preferred stock dividends and distributed and
undistributed earnings available to participating securities. Common shares outstanding include common stock and vested restricted stock awards. Diluted EPS reflects the assumed conversion of all potential dilutive securities.&nbsp;A reconciliation
of the weighted-average shares used in calculating basic earnings per common share and the weighted average common shares used in calculating diluted earnings per common share for the reported periods is provided in Note 16 - Earnings Per Common
Share. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(u.) Reclassifications </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Certain items in prior financial statements have been reclassified to conform to the current presentation. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(v.)&nbsp;&nbsp;Recent Accounting Pronouncements </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In May&nbsp;2014, the Financial Accounting Standards Board (&#147;FASB&#148;) issued Accounting Standards Update
(&#147;ASU&#148;) No. 2014-09, <I>Revenue from Contracts with Customers (Topic 606).</I> ASU 2014-09 implements a common revenue standard that clarifies the principles for recognizing revenue. The core principle of ASU 2014-09 is that an entity
should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. To achieve that core
principle, an entity should apply the following steps: (i) identify the contract(s) with a customer, (ii) identify the performance obligations in the contract, (iii) determine the transaction price, (iv) allocate the transaction price to the
performance obligations in the contract and (v) recognize revenue when (or as) the entity satisfies a performance obligation. The effective date was recently deferred for one year to the interim and annual periods beginning on or after
December&nbsp;15, 2017. Early adoption is permitted as of the original effective date &#150; interim and annual periods beginning on or after December&nbsp;15, 2016. The Company is evaluating the potential impact of ASU 2014-09 on the Company&#146;s
financial statements. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In June&nbsp;2014, the FASB issued ASU 2014-12, <I>Compensation&#151;Stock Compensation (Topic
718)</I>. The pronouncement was issued to clarify the accounting for share-based payments when the terms of an award provide that a performance target could be achieved after the requisite service period. ASU 2014-12 is effective for the Company
beginning January&nbsp;1, 2016, though early adoption is permitted. The adoption of ASU 2014-12 is not expected to have a significant impact on the Company&#146;s financial statements. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In January&nbsp;2015, the FASB issued ASU 2015-01, <I>Income Statement - Extraordinary and Unusual Items (Subtopic 225-20)
&#150; Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items</I>. ASU 2015-01 eliminates from U.S. GAAP the concept of extraordinary items, which, among other things, required an entity to segregate
extraordinary items considered to be unusual and infrequent from the results of ordinary operations and show the item separately in the income statement, net of tax, after income from continuing operations. ASU 2015-01 is effective for the Company
beginning January&nbsp;1, 2016, though early adoption is permitted. ASU 2015-01 is not expected to have a significant impact on the Company&#146;s financial statements. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In April&nbsp;2015, the FASB issued ASU 2015-03, <I>Simplifying the Presentation of Debt Issuance Costs</I>.&nbsp;Under ASU
2015-03, the Company will present debt issuance costs in the balance sheet as a reduction from the related debt liability rather than as an asset.&nbsp;Amortization of such costs will continue to be reported as interest expense.&nbsp;ASU 2015-03
will be effective for the Company beginning January&nbsp;1, 2016, though early adoption is permitted.&nbsp;Retrospective adoption is required. The Company early adopted this standard during the quarter ended June&nbsp;30, 2015, concurrent with the
issuance of the Subordinated Notes described in Note 9.&nbsp;Unamortized debt issuance costs of $1.0 million are included in the net balance of long-term borrowings reported on the Consolidated Statements of Financial Condition.&nbsp;Retrospective
application of this standard did not impact previously issued financial statements. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 77 - </P>


<p Style='page-break-before:always'>
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<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(2.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>BUSINESS COMBINATIONS </B></TD></TR></TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>SDN Acquisition </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">On August&nbsp;1, 2014, the Company completed the acquisition of Scott Danahy Naylon Co., Inc., a full service insurance agency located in
Amherst, New York.&nbsp;The acquisition of Scott Danahy Naylon Co., Inc. enhances the Company&#146;s ability to offer clients unique, comprehensive solutions to meet their insurance and financial risk management needs. Consideration for the
acquisition included both cash and stock totaling $16.9 million, including future consideration. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The transaction was accounted for using
the acquisition method of accounting and as such, assets acquired, liabilities assumed and consideration exchanged were recorded at their estimated fair value on the acquisition date.&nbsp;Goodwill from the acquisition represents the excess of the
purchase price over the fair value of the net tangible and intangible assets acquired and is not deductible for tax purposes. As a result of the acquisition, the Company recorded goodwill of $12.6 million and other intangible assets of $6.6
million.&nbsp;Goodwill was assigned to the Company&#146;s Insurance reporting unit.&nbsp;Total goodwill and other intangible assets from the acquisition are inclusive of contingent earn-out payments based on revenue targets through 2017.&nbsp;The
estimated fair value of the contingent earn-out liability at the date of acquisition was $3.2 million.&nbsp;Since the date of acquisition, valuation adjustments have been made resulting in a contingent earn-out liability of $2.2 million at
December&nbsp;31, 2015.&nbsp;The valuation adjustment is included in other noninterest income in the consolidated statements of income for the year ended December&nbsp;31, 2015. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">As more fully described in Note 7, the Company recorded a goodwill impairment charge related to the Insurance reporting unit of $751 thousand
during the quarter ended December&nbsp;31, 2015.&nbsp;See Note 7 for additional information on goodwill and other intangible assets. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Pro
forma results of operations for this acquisition have not been presented because the effect of this acquisition was not material to the Company&#146;s consolidated financial statements. The following table summarizes the consideration paid for Scott
Danahy Naylon Co., Inc. and the amounts of the assets acquired and liabilities assumed as of the acquisition date. </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consideration paid:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">8,100&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,400&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Contingent consideration</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,227&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fair value of total consideration transferred</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,727&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fair value of assets acquired:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">105&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Identified intangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,640&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Premises and equipment, accounts receivable and other assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,094&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total identifiable assets acquired</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,839&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fair value of liabilities assumed:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deferred tax liability</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,556&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,173&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities assumed</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,729&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fair value of net assets acquired</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,110&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Goodwill resulting from acquisition</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12,617&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 78 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(3.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>INVESTMENT SECURITIES </B></TD></TR></TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The amortized cost and estimated fair value of investment
securities are summarized below (in thousands). </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="84%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Amortized&nbsp;&nbsp;&nbsp;&nbsp;<BR>Cost</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Unrealized&nbsp;&nbsp;&nbsp;&nbsp;<BR>Gains</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Unrealized&nbsp;&nbsp;&nbsp;&nbsp;<BR>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Value&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>December&nbsp;31, 2015</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="16" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Securities available for sale:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">U.S. Government agencies and government sponsored enterprises</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">260,748&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,164&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,049&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">260,863&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">209,671&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,092&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,333&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">208,430&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal Home Loan Mortgage Corporation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,564&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">282&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">194&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,652&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Government National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,465&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">943&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,404&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collateralized mortgage obligations:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,998&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">90&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">154&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,934&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal Home Loan Mortgage Corporation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,175&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">91&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,085&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Privately issued</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">809&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">809&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">282,873&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,217&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,776&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">283,314&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Asset-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">218&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">218&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total available for sale securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">543,621&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4,599&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3,825&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">544,395&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Securities held to maturity:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State and political subdivisions</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">294,423&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,562&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">300,981&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,242&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,177&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Government National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,607&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">159&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,481&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collateralized mortgage obligations:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">56,791&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">818&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,973&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal Home Loan Mortgage Corporation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">80,570&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,120&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79,450&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Government National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,084&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">101&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,002&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">191,294&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">66&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,277&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">189,083&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total held to maturity securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">485,717&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">6,628&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,281&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">490,064&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>December&nbsp;31, 2014</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="16" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Securities available for sale:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">U.S. Government agencies and government sponsored enterprises</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">160,334&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,116&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">975&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">160,475&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">184,857&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,344&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,264&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">185,937&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal Home Loan Mortgage Corporation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,478&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">799&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,270&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Government National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">48,800&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,022&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50,822&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collateralized mortgage obligations:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">76,247&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">489&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">944&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">75,792&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal Home Loan Mortgage Corporation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89,623&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">199&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,585&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">87,237&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Government National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,954&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">598&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,512&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Privately issued</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,218&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,218&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">458,959&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,669&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,840&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">461,788&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Asset-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">231&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">231&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total available for sale securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">619,293&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">9,016&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">5,815&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">622,494&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Securities held to maturity:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State and political subdivisions</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">277,273&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,231&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">120&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">281,384&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,279&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,303&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Government National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,886&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">122&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,008&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,165&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">146&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,311&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total held to maturity securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">294,438&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4,377&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">120&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">298,695&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 79 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(3.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>INVESTMENT SECURITIES (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Investment securities with a total fair value of $781.7 million and $768.6 million at
December&nbsp;31, 2015 and 2014, respectively, were pledged as collateral to secure public deposits and for other purposes required or permitted by law. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">During the years ended December&nbsp;31, 2015 and 2014, the Company transferred $165.2 million and $12.8 million, respectively, of available
for sale mortgage backed securities to the held to maturity category, reflecting the Company&#146;s intent to hold those securities to maturity.&nbsp;Transfers of investment securities into the held to maturity category from the available for sale
category are made at fair value at the date of transfer.&nbsp;The related $1.1 million and $51 thousand of unrealized holding losses that were included in the transfers during the years ended December&nbsp;31, 2015 and 2014, respectively, are
retained in accumulated other comprehensive income and in the carrying value of the held to maturity securities.&nbsp;These amounts will be amortized as an adjustment to interest income over the remaining life of the securities. This will offset the
impact of amortization of the net premium created in the transfers. There were no gains or losses recognized as a result of these transfers. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Interest and dividends on securities for the years ended December&nbsp;31 are summarized as follows (in thousands): </P>
<P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


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<TD></TD>
<TD></TD>
<TD></TD>
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<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2013&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Taxable interest and dividends</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">16,123&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13,304&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">12,541&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tax-exempt interest and dividends</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,752&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,298&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,922&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total interest and dividends on securities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">21,875&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">18,602&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">17,463&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="12"> <P STYLE="font-size:16pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Sales and calls of securities available
for sale for the years ended December&nbsp;31 were as follows (in thousands):</P> <P STYLE="font-size:8pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="top"> <P STYLE="font-size:16pt;margin-top:0pt;margin-bottom:0pt"></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;</P>
<P STYLE="font-size:8pt; margin-top:0pt; margin-bottom:1pt"></P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2013&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from sales</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">54,277&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">81,600&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,327&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gross realized gains</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,000&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,043&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,226&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gross realized losses</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">12&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="12"> <P STYLE="font-size:14pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The scheduled maturities of securities
available for sale and securities held to maturity at December&nbsp;31, 2015 are shown below.&nbsp;Actual expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations (in
thousands).</P></TD>
<TD VALIGN="top"> <P STYLE="font-size:14pt;margin-top:0pt;margin-bottom:0pt"></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR></TABLE> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="89%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B> </B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Amortized&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>Cost</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair</B><br><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Value&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Debt securities available for sale:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Due in one year or less</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">25,182&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">25,241&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Due from one to five years</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">174,053&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">173,336&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Due after five years through ten years</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">275,972&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">276,660&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Due after ten years</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68,414&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69,158&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">543,621&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">544,395&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Debt securities held to maturity:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Due in one year or less</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">22,188&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">22,261&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Due from one to five years</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">172,094&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">175,650&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Due after five years through ten years</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">116,362&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">119,183&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Due after ten years</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">175,073&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">172,970&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">485,717&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">490,064&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 80 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(3.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>INVESTMENT SECURITIES (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Unrealized losses on investment securities and the fair value of the related securities, aggregated by
investment category and length of time that individual securities have been in a continuous unrealized loss position as of December&nbsp;31 are summarized as follows (in thousands): </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
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<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Less&nbsp;than&nbsp;12&nbsp;months&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;12&nbsp;months&nbsp;or&nbsp;longer&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair</B><br><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Unrealized</B><br><B>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair</B><br><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Unrealized</B><br><B>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair</B><br><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Unrealized</B><br><B>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>December 31,&nbsp;2015</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="24" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Securities available for sale:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">U.S. Government agencies and government sponsored enterprises</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">82,298&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">735&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">26,302&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">314&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">108,600&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,049&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">123,774&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,134&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,562&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">199&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">133,336&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,333&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal Home Loan Mortgage Corporation</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,660&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">194&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,660&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">194&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Government National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,405&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,405&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collateralized mortgage obligations:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,778&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">154&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,778&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">154&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal Home Loan Mortgage Corporation</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,998&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">91&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,998&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">91&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">150,615&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,577&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,562&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">199&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">160,177&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,776&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total available for sale securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">232,913&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,312&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35,864&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">513&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">268,777&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,825&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Securities held to maturity:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State and political subdivisions</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,075&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,075&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,666&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,666&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Government National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,790&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">159&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,790&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">159&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collateralized mortgage obligations:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,973&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">818&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,973&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">818&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal Home Loan Mortgage Corporation</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79,323&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,120&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79,323&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,120&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Government National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,559&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">101&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,559&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">101&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">164,311&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,277&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">164,311&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,277&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total held to maturity securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">167,386&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,281&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">167,386&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,281&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total temporarily impaired securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;400,299&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5,593&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;35,864&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;513&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;436,163&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6,106&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>December 31,&nbsp;2014</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="24" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Securities available for sale:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">U.S. Government agencies and government sponsored enterprises</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">34,995&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">77&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">41,070&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">898&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">76,065&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">975&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,242&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,592&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,256&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64,834&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,264&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal Home Loan Mortgage Corporation</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,387&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,387&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collateralized mortgage obligations:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,228&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,644&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">920&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36,872&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">944&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal Home Loan Mortgage Corporation</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">76,126&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,585&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">76,126&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,585&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Government National Mortgage Association</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,510&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,510&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total mortgage-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,857&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">166,872&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,801&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">183,729&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,840&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total available for sale securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51,852&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">116&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">207,942&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,699&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">259,794&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,815&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Securities held to maturity:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State and political subdivisions</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,036&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">120&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,036&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">120&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total temporarily impaired securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">69,888&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">236&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">207,942&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">5,699&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">277,830&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">5,935&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 81 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(3.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>INVESTMENT SECURITIES (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The total number of security positions in the investment portfolio in an unrealized loss
position at December&nbsp;31, 2015 was 152 compared to 122 at December&nbsp;31, 2014.&nbsp;At December&nbsp;31, 2015, the Company had positions in 10 investment securities with a fair value of $35.9 million and a total unrealized loss of $513
thousand that have been in a continuous unrealized loss position for more than 12 months.&nbsp;At December&nbsp;31, 2015, there were a total of 142 securities positions in the Company&#146;s investment portfolio with a fair value of $400.3 million
and a total unrealized loss of $5.6 million that had been in a continuous unrealized loss position for less than 12 months. At December&nbsp;31, 2014, the Company had positions in 51 investment securities with a fair value of $207.9 million and a
total unrealized loss of $5.7 million that have been in a continuous unrealized loss position for more than 12 months.&nbsp;At December&nbsp;31, 2014, there were a total of 71 securities positions in the Company&#146;s investment portfolio with a
fair value of $69.9 million and a total unrealized loss of $236 thousand that had been in a continuous unrealized loss position for less than 12 months. The unrealized loss on investment securities was predominantly caused by changes in market
interest rates subsequent to purchase. The fair value of most of the investment securities in the Company&#146;s portfolio fluctuates as market interest rates change. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company reviews investment securities on an ongoing basis for the presence of other than temporary impairment (&#147;OTTI&#148;) with
formal reviews performed quarterly. When evaluating debt securities for OTTI, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and
near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the Company has the intention to sell the debt security or whether it is more likely than not that it will be required to
sell the debt security before its anticipated recovery.&nbsp;The assessment of whether OTTI exists involves a high degree of subjectivity and judgment and is based on the information available to management.&nbsp;No impairment was recorded during
the years ended December&nbsp;31, 2015, 2014 and 2013. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Based on management&#146;s review and evaluation of the Company&#146;s debt
securities as of December&nbsp;31, 2015, the debt securities with unrealized losses were not considered to be OTTI.&nbsp;As of December&nbsp;31, 2015, the Company does not have the intent to sell any of the securities in a loss position and believes
that it is not likely that it will be required to sell any such securities before the anticipated recovery of amortized cost.&nbsp;Accordingly, as of December&nbsp;31, 2015, management has concluded that unrealized losses on its investment
securities are temporary and no further impairment loss has been realized in the Company&#146;s consolidated statements of income. </P> <P STYLE="font-size:22pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(4.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>LOANS HELD FOR SALE AND LOAN SERVICING RIGHTS </B></TD></TR></TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Loans held for sale were entirely
comprised of residential real estate mortgages and totaled $1.4 million and $755 thousand as of December&nbsp;31, 2015 and 2014, respectively. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company sells certain qualifying newly originated or refinanced residential real estate mortgages on the secondary market.&nbsp;Residential
real estate mortgages serviced for others, which are not included in the consolidated statements of financial condition, amounted to $196.0 million and $215.2 million as of December&nbsp;31, 2015 and 2014, respectively.&nbsp;In connection with these
mortgage-servicing activities, the Company administered escrow and other custodial funds which amounted to approximately $4.4 million and $4.6 million as of December&nbsp;31, 2015 and 2014, respectively. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The activity in capitalized mortgage servicing assets is summarized as follows for the years ended December&nbsp;31 (in thousands): </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="91%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2013&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage servicing assets, beginning of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,335&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,479&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,637&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Originations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">166&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">172&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">277&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amortization</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(276)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(316)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(435)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage servicing assets, end of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,225&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,335&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,479&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Valuation allowance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage servicing assets, net, end of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,224&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,329&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,476&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 82 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(5.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>LOANS </B></TD></TR></TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company&#146;s loan portfolio consisted of the following at December&nbsp;31
(in thousands): </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="91%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Principal<BR>Amount<BR>&nbsp;Outstanding&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;Net&nbsp;Deferred&nbsp;<BR>Loan (Fees)<BR>Costs</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Loans,&nbsp;Net&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2015</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="12" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial business</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">313,475&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">283&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">313,758&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">567,481&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,380)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">566,101&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">98,302&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">98,309&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">402,487&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,625&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">410,112&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer indirect</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">652,494&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,446&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">676,940&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,361&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">181&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,542&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,052,600&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">31,162&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,083,762&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(27,085)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total loans, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,056,677&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2014</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="12" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial business</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">267,377&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">32&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">267,409&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">476,407&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,315)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">475,092&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100,241&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(140)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100,101&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">379,774&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,841&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">386,615&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer indirect</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">636,357&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,316&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">661,673&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,915&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">197&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,112&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,881,071&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">30,931&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,912,002&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(27,637)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total loans, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,884,365&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company&#146;s significant concentrations of credit risk in the loan portfolio relate to a geographic
concentration in the communities that the Company serves. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Certain executive officers, directors and their business interests are customers
of the Company.&nbsp;Transactions with these parties are based on the same terms as similar transactions with unrelated third parties and do not carry more than normal credit risk.&nbsp;Borrowings by these related parties amounted to $3.5 million
and $11.9 million at December&nbsp;31, 2015 and 2014, respectively.&nbsp;During 2015, new borrowings amounted to $2.9 million (including borrowings of executive officers and directors that were outstanding at the time of their appointment), and
repayments and other reductions were $11.3 million. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 83 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


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<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(5.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>LOANS (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Past Due Loans Aging </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company&#146;s recorded investment, by loan class, in current and nonaccrual loans, as well as an analysis of accruing delinquent loans is
set forth as of December&nbsp;31 (in thousands): </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;30-59&nbsp;Days&nbsp;<BR>Past Due</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;60-89&nbsp;Days<BR>Past Due&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Greater<BR>&nbsp;&nbsp;Than&nbsp;90&nbsp;&nbsp;<BR>Days</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Total&nbsp;Past&nbsp;&nbsp;<BR>Due</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;Nonaccrual&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Current</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;Total&nbsp;Loans&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2015</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="28" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial business</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">321&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">612&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">933&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3,922&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">308,620&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">313,475&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">146&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">214&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">947&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">566,320&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">567,481&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">203&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">203&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,325&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">96,774&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">98,302&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">719&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">429&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,148&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">758&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">400,581&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">402,487&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer indirect</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,975&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">286&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,261&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,467&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">648,766&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">652,494&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other consumer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">98&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">119&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,229&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,361&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total loans, gross</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3,384&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,486&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">8&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4,878&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">8,432&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;2,039,290&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;2,052,600&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2014</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="28" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial business</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">28&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">28&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4,288&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">263,061&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">267,377&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,020&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">473,304&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">476,407&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">321&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">321&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,194&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">98,726&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100,241&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">799&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">67&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">866&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">463&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">378,445&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">379,774&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer indirect</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,429&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">402&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,831&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,169&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">632,357&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">636,357&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other consumer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">148&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">48&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">204&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,700&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,915&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total loans, gross</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3,808&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">517&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">8&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4,333&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">10,145&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,866,593&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,881,071&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">There were no loans past due greater than 90 days and still accruing interest as of December&nbsp;31, 2015 and
2014.&nbsp;There were $8 thousand in consumer overdrafts which were past due greater than 90 days as of December&nbsp;31, 2015 and 2014.&nbsp;Consumer overdrafts are overdrawn deposit accounts which have been reclassified as loans but by their terms
do not accrue interest. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Interest income on nonaccrual loans, if recognized, is recorded using the cash basis method of
accounting.&nbsp;There was no interest income recognized on nonaccrual loans during the years ended December&nbsp;31, 2015, 2014 and 2013.&nbsp;For the years ended December&nbsp;31, 2015, 2014 and 2013, estimated interest income of $432 thousand,
$527 thousand, and $531 thousand, respectively, would have been recorded if all such loans had been accruing interest according to their original contractual terms. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 84 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(5.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>LOANS (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Troubled Debt Restructurings </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">A modification of a loan constitutes a troubled debt restructuring (&#147;TDR&#148;) when a borrower is experiencing financial difficulty and
the modification constitutes a concession. Commercial loans modified in a TDR may involve temporary interest-only payments, term extensions, reducing the interest rate for the remaining term of the loan, extending the maturity date at an interest
rate lower than the current market rate for new debt with similar risk, collateral concessions, forgiveness of principal, forebearance agreements, or substituting or adding a new borrower or guarantor. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following presents, by loan class, information related to loans modified in a TDR during the years ended December&nbsp;31 (in thousands).
</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="43%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;Number&nbsp;of&nbsp;</B><br><B>Contracts</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Pre-</B><br><B>&nbsp;Modification&nbsp;<BR>Outstanding<BR>Recorded<BR>Investment</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Post-</B><br><B>&nbsp;Modification&nbsp;<BR>Outstanding<BR>Recorded<BR>Investment</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2015</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="10" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial business</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,342&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,342&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">682&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">330&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">3</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,024&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,672&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2014</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="10" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial business</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,381&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,381&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">-</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,381&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,381&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The loans identified as TDRs by the Company during the years ended December&nbsp;31, 2015 and 2014 were on
nonaccrual status and reported as impaired loans prior to restructuring.&nbsp;The modifications during the year ended December&nbsp;31, 2015 primarily related to extending amortization periods, forebearance agreements, requesting additional
collateral and, in one instance, forgiveness of principal.&nbsp;For the year ended December&nbsp;31, 2014, the restructured loan modification related to extending the amortization period of the loan.&nbsp;All loans restructured during the years
ended December&nbsp;31, 2015 and 2014 were on nonaccrual status at the end of those respective years.&nbsp;Nonaccrual loans that are restructured remain on nonaccrual status, but may move to accrual status after they have performed according to the
restructured terms for a period of time.&nbsp;The TDR classification did not have a material impact on the Company&#146;s determination of the allowance for loan losses because the modified loans were either classified as substandard, with an
increased risk allowance allocation, or impaired and evaluated for a specific reserve both before and after restructuring. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">There were two
commercial business loans with an aggregate pre-default balance of $1.3 million that went into default and were restructured during the year ended December&nbsp;31, 2015.&nbsp;There were no loans modified as a TDR during the year ended
December&nbsp;31, 2014 that defaulted during the year ended December&nbsp;31, 2014.&nbsp;For purposes of this disclosure, a loan modified as a TDR is considered to have defaulted when the borrower becomes 90 days past due. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 85 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(5.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>LOANS (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Impaired Loans </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Management has determined that specific commercial loans on nonaccrual status and all loans that have had their terms restructured in a
troubled debt restructuring are impaired loans.&nbsp;The following table presents data on impaired loans at December&nbsp;31 (in thousands): </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="85%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Recorded<BR>&nbsp;&nbsp;Investment<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Unpaid<BR>Principal<BR>&nbsp;&nbsp;&nbsp;Balance<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Related<BR>&nbsp;&nbsp;Allowance&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Average<BR>Recorded<BR>&nbsp;&nbsp;Investment&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Interest<BR>Income<BR>&nbsp;Recognized&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2015</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="20" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">With no related allowance recorded:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial business</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,441&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,810&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,352&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">937&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,285&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,013&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,378&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,095&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,365&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">With an allowance recorded:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial business</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,481&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,481&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">996&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,946&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">449&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,491&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,491&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,006&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,395&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4,869&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">5,586&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,006&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4,760&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2014</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="20" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">With no related allowance recorded:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial business</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,408&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,741&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,431&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">781&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">920&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,014&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,189&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,661&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,445&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">With an allowance recorded:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial business</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,880&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,880&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,556&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,998&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial mortgage</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,239&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,239&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">911&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,560&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,119&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,119&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,467&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,558&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">7,308&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">7,780&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,467&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">6,003&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:2%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>Difference between recorded investment and unpaid principal balance represents partial
charge-offs. </P></TD></TR></TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Credit Quality Indicators </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as:
current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors such as the fair value of collateral.&nbsp;The Company analyzes commercial business and
commercial mortgage loans individually by classifying the loans as to credit risk.&nbsp;Risk ratings are updated any time the situation warrants.&nbsp;The Company uses the following definitions for risk ratings: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Special Mention: </B>Loans classified as special mention have a potential weakness that deserves management&#146;s close
attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the Company&#146;s credit position at some future date. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Substandard: </B>Loans classified as substandard are inadequately protected by the current net worth and paying capacity of
the obligor or of the collateral pledged, if any.&nbsp;Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.&nbsp;They are characterized by the distinct possibility that the Company will sustain
some loss if the deficiencies are not corrected. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Doubtful: </B>Loans classified as doubtful have all the weaknesses
inherent in those classified as Substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Loans not meeting the criteria above that are analyzed individually as part of the process described above are considered
&#147;Uncriticized&#148; or pass-rated loans and are included in groups of homogeneous loans with similar risk and loss characteristics. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 86 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(5.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>LOANS (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table sets forth the Company&#146;s commercial loan portfolio, categorized by
internally assigned asset classification, as of December&nbsp;31 (in thousands): </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="94%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Commercial<BR>Business</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Commercial<BR>Mortgage</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2015</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="8" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Uncriticized</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">298,413&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">551,603&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Special mention</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,916&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,015&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Substandard</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,146&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,863&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Doubtful</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">313,475&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">567,481&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2014</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="8" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Uncriticized</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">250,961&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">460,880&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Special mention</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,530&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,411&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Substandard</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,886&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,116&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Doubtful</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">267,377&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;476,407&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company utilizes payment status as a means of identifying and reporting problem and potential problem
retail loans. The Company considers nonaccrual loans and loans past due greater than 90 days and still accruing interest to be non-performing. The following table sets forth the Company&#146;s retail loan portfolio, categorized by payment status, as
of December&nbsp;31 (in thousands): </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="88%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;Residential&nbsp;<BR>Mortgage</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Home<BR>Equity</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Consumer&nbsp;&nbsp;<BR>Indirect</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Other<BR>&nbsp;&nbsp;Consumer&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2015</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="16" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Performing</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">96,977&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">401,729&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">651,027&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">18,340&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Non-performing</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,325&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">758&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,467&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">98,302&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">402,487&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">652,494&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">18,361&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2014</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="16" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Performing</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">99,047&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">379,311&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">635,188&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">20,896&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Non-performing</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,194&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">463&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,169&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">100,241&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">379,774&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">636,357&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;20,915&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 87 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(5.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>LOANS (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Allowance for Loan Losses </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following tables set forth the changes in the allowance for loan losses for the years ended December&nbsp;31 (in thousands): </P>
<P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;Commercial&nbsp;<BR>Business</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;Commercial&nbsp;<BR>Mortgage</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Residential&nbsp;&nbsp;<BR>Mortgage</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Home<BR>Equity</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;Consumer&nbsp;<BR>Indirect</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Other<BR>&nbsp;&nbsp;Consumer&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2015</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="28" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Allowance for loan losses:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Beginning balance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">5,621&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">8,122&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">570&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,485&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">11,383&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">456&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">27,637&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Charge-offs</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,433)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(895)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(175)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(421)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9,156)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(878)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(12,958)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">212&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">146&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,200&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">322&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,025&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision (credit)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,140&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,654&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(13)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">101&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,031&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">468&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,381&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ending balance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">5,540&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">9,027&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">464&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,228&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">10,458&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">368&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">27,085&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Evaluated for impairment:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Individually</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">996&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">10&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,006&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collectively</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4,544&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">9,017&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">464&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,228&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">10,458&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">368&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">26,079&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Loans:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ending balance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">313,475&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">567,481&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">98,302&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">402,487&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">652,494&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">18,361&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,052,600&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Evaluated for impairment:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Individually</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3,922&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">947&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4,869&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collectively</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">309,553&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">566,534&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">98,302&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">402,487&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">652,494&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">18,361&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,047,731&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2014</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="28" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Allowance for loan losses:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Beginning balance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4,273&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">7,743&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">676&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,367&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">12,230&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">447&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">26,736&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Charge-offs</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(204)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(304)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(190)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(340)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(10,004)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(972)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(12,014)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">201&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">143&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">56&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,321&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">366&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,126&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,351&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">540&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">402&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,836&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">615&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,789&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ending balance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">5,621&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">8,122&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">570&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,485&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">11,383&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">456&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">27,637&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Evaluated for impairment:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Individually</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,556&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">911&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,467&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collectively</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4,065&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">7,211&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">570&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,485&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">11,383&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">456&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">25,170&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Loans:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ending balance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">267,377&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">476,407&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">100,241&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">379,774&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">636,357&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">20,915&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,881,071&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Evaluated for impairment:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Individually</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4,288&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3,020&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">7,308&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collectively</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">263,089&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">473,387&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">100,241&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;379,774&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">636,357&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">20,915&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;1,873,763&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 88 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(5.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>LOANS (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Commercial<BR>Business</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Commercial<BR>Mortgage</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Residential<BR>Mortgage</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Home<BR>Equity</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Consumer<BR>Indirect</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Other<BR>Consumer</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2013</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="28" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Allowance for loan losses:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Beginning balance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4,884&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">6,581&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">740&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,282&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">10,715&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">512&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">24,714&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Charge-offs</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,070)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(553)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(411)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(391)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(8,125)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(928)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(11,478)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">349&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">319&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">157&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,161&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">381&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,421&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">110&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,396&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">293&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">319&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,479&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">482&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,079&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ending balance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4,273&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">7,743&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">676&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,367&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">12,230&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">447&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">26,736&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Evaluated for impairment:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Individually</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">201&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,057&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,258&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collectively</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4,072&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">6,686&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">676&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,367&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">12,230&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">447&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">25,478&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Loans:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ending balance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">265,751&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">470,312&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">113,101&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">320,658&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">609,390&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">22,893&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,802,105&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Evaluated for impairment:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Individually</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3,474&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">9,663&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">13,137&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collectively</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;262,277&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;460,649&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;113,101&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;320,658&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;609,390&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;22,893&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;1,788,968&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Risk Characteristics </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Commercial business loans primarily consist of loans to small to mid-sized businesses in our market area in a diverse range of
industries.&nbsp;These loans are of higher risk and typically are made on the basis of the borrower&#146;s ability to make repayment from the cash flow of the borrower&#146;s business.&nbsp;Further, the collateral securing the loans may depreciate
over time, may be difficult to appraise and may fluctuate in value.&nbsp;The credit risk related to commercial loans is largely influenced by general economic conditions and the resulting impact on a borrower&#146;s operations or on the value of
underlying collateral, if any. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Commercial mortgage loans generally have larger balances and involve a greater degree of risk than
residential mortgage loans, inferring higher potential losses on an individual customer basis. Loan repayment is often dependent on the successful operation and management of the properties, as well as on the collateral securing the loan. Economic
events or conditions in the real estate market could have an adverse impact on the cash flows generated by properties securing the Company&#146;s commercial real estate loans and on the value of such properties. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Residential mortgage loans and home equities (comprised of home equity loans and home equity lines) are generally made on the basis of the
borrower&#146;s ability to make repayment from his or her employment and other income, but are secured by real property whose value tends to be more easily ascertainable.&nbsp;Credit risk for these types of loans is generally influenced by general
economic conditions, the characteristics of individual borrowers, and the nature of the loan collateral. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Consumer indirect and other
consumer loans may entail greater credit risk than residential mortgage loans and home equities, particularly in the case of other consumer loans which are unsecured or, in the case of indirect consumer loans, secured by depreciable assets, such as
automobiles or boats. In such cases, any repossessed collateral for a defaulted consumer loan may not provide an adequate source of repayment of the outstanding loan balance. In addition, consumer loan collections are dependent on the
borrower&#146;s continuing financial stability, and thus are more likely to be affected by adverse personal circumstances such as job loss, illness or personal bankruptcy.&nbsp;Furthermore, the application of various federal and state laws,
including bankruptcy and insolvency laws, may limit the amount which can be recovered on such loans. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 89 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(6.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>PREMISES AND EQUIPMENT, NET </B></TD></TR></TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Major classes of premises and equipment at
December&nbsp;31 are summarized as follows (in thousands): </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="94%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Land and land improvements</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">5,917&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,797&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Buildings and leasehold improvements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46,402&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,826&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Furniture, fixtures, equipment and vehicles</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">31,868&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">29,853&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;Premises and equipment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">84,187&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77,476&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accumulated depreciation and amortization</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(44,742)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(41,082)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;Premises and equipment, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">39,445&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">36,394&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Depreciation and amortization expense relating to premises and equipment, included in occupancy and equipment
expense in the consolidated statements of income, amounted to $4.4 million, $4.0 million and $3.8 million for the years ended December&nbsp;31, 2015, 2014 and 2013, respectively. </P>
<P STYLE="font-size:24pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(7.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>GOODWILL AND OTHER INTANGIBLE ASSETS </B></TD></TR></TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Goodwill </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Goodwill is not amortized but, instead, is subject to impairment tests on at least an annual basis, and more frequently if an event occurs or
circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying amount. The Company performs its annual impairment test of goodwill as of September&nbsp;30 of each year. See Note 1 for the
Company&#146;s accounting policy for goodwill and other intangible assets. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company performed a qualitative assessment of goodwill to
determine if it was more likely than not that the fair value of any of its reporting units was less than its carrying value.&nbsp;In performing a qualitative analysis, factors considered include, but are not limited to, business strategy, financial
performance and market and regulatory dynamics.&nbsp;Based on its assessment, the Company concluded it was more likely than not that the fair value of its Insurance reporting unit was less than its carrying value.&nbsp;Accordingly, the Company
performed a Step&nbsp;1 review for possible goodwill impairment. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Under Step 1 of the goodwill impairment review, the fair value of the
Insurance reporting unit was calculated using income and market-based approaches. Under Step 1, it was determined that the carrying value of our Insurance reporting unit exceeded its fair value.&nbsp;For Step 2, the implied fair value of the
Insurance reporting unit&#146;s goodwill was compared with the carrying amount of the goodwill for the Insurance reporting unit.&nbsp;Based on this assessment, the Company recorded a goodwill impairment charge related to the Insurance reporting unit
of $751 thousand during the quarter ended December&nbsp;31, 2015.</P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The results of the qualitative assessment for 2014 indicated that it was
not more likely than not that the fair value of any of the Company&#146;s reporting units was less than its carrying value.&nbsp;Consequently, no additional quantitative two-step impairment test was required, and no impairment was recorded in
2014.</P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Declines in the market value of the Company&#146;s publicly traded stock price or declines in the Company&#146;s ability to generate
future cash flows may increase the potential that goodwill recorded on the Company&#146;s consolidated statement of financial condition be designated as impaired and that the Company may incur a goodwill write-down in the future. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The change in the balance for goodwill during the years ended December&nbsp;31 was as follows (in thousands): </P>
<P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="91%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Banking&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Insurance&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance, January&nbsp;1, 2014</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">48,536&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">48,536&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Acquisition</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,617&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,617&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance, December&nbsp;31, 2014</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">48,536&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">12,617&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">61,153&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Impairment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(751)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(751)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance, December&nbsp;31, 2015</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">48,536&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">11,866&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">60,402&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 90 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(7.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>GOODWILL AND OTHER INTANGIBLE ASSETS (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Other Intangible Assets </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company has other intangible assets that are amortized, consisting of core deposit intangibles and other intangibles.&nbsp;Changes in the
gross carrying amount, accumulated amortization and net book value for the years ended December&nbsp;31 were as follows (in thousands): </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="94%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Core deposit intangibles:</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gross carrying amount</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,042&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,042&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accumulated amortization</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,213)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(917)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net book value</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">829&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,125&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amortization during the year</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">296&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">341&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Other intangibles:</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gross carrying amount</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">6,640&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">6,640&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accumulated amortization</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(925)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(279)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net book value</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">5,715&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">6,361&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amortization during the year</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">646&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">279&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Core deposit intangible amortization expense was $387 thousand for the year ended December&nbsp;31,
2013.&nbsp;Estimated amortization expense of other intangible assets for each of the next five years is as follows: </P> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="52%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="83%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2016</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;864</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2017</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">778</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2018</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">689</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2019</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">611</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2020</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">533</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:20pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(8.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>DEPOSITS </B></TD></TR></TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">A summary of deposits as of December&nbsp;31 are as follows (in thousands):
</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="94%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest-bearing demand</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">641,972&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">571,260&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing demand</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">523,366&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">490,190&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Savings and money market</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">928,175&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">795,835&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Time deposits, due:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;Within one year</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">450,885&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">395,956&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;One to two years</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">97,059&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">122,819&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;Two to three years</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">46,545&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">11,448&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;Three to five years</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,482&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,991&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;Thereafter</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">47&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">28&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;Total time deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">637,018&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">593,242&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total deposits</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;2,730,531&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;2,450,527&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Time deposits in denominations of $250,000 or more at December&nbsp;31, 2015 and 2014 amounted to $92.0 million
and $66.5 million, respectively. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Interest expense by deposit type for the years ended December&nbsp;31 is summarized as follows (in
thousands): </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="91%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2013&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing demand</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">754&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">607&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">729&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Savings and money market</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,166&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">913&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">978&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Time deposits</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">5,386&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,846&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,893&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;Total interest expense on deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">7,306&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">6,366&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">6,600&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 91 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(9.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>BORROWINGS </B></TD></TR></TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company classifies borrowings as short-term or long-term in accordance
with the original terms of the agreement.&nbsp;Outstanding borrowings are summarized as follows as of December&nbsp;31 (in thousands): </P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="94%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Short-term borrowings:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Short-term FHLB borrowings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">293,100&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">295,300&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Repurchase agreements</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">39,504&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total short-term borrowings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">293,100&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">334,804&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Long-term borrowings:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Subordinated notes, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38,990&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total borrowings</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">332,090&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">334,804&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Short-term borrowings </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Repurchase agreements are secured overnight borrowings with customers.&nbsp;Short-term FHLB borrowings have original maturities of less than
one year and include overnight borrowings that we typically utilize to address short term funding needs as they arise. Short-term FHLB borrowings at December&nbsp;31, 2015 consisted of $116.8 million in overnight borrowings and $176.3&nbsp;million
in short-term advances. Short-term FHLB borrowings at December&nbsp;31, 2014 consisted of $129.0 million in overnight borrowings and $166.3&nbsp;million in short-term advances. The FHLB borrowings are collateralized by securities from the
Company&#146;s investment portfolio and certain qualifying loans. At December&nbsp;31, 2015 and 2014, the Company&#146;s borrowings had a weighted average rate of 0.53% and 0.35%, respectively. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Long-term borrowings </B></P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">On April&nbsp;15,
2015, the Company issued $40.0 million of 6.0% fixed to floating rate subordinated notes due April&nbsp;15, 2030 (the &#147;Subordinated Notes&#148;) in a registered public offering. The Subordinated Notes bear interest at a fixed rate of 6.0% per
year, payable semi-annually, for the first 10 years. From April&nbsp;15, 2025 to the April&nbsp;15, 2030 maturity date, the interest rate will reset quarterly to an annual interest rate equal to the then current three-month London Interbank Offered
Rate (LIBOR) plus 3.944%, payable quarterly. The Subordinated Notes are redeemable by the Company at any quarterly interest payment date beginning on April&nbsp;15, 2025 to maturity at par, plus accrued and unpaid interest. Proceeds, net of debt
issuance costs of $1.1 million, were $38.9 million. The net proceeds from this offering were used for general corporate purposes, including but not limited to, contribution of capital to the Bank to support both organic growth and opportunistic
acquisitions. The Subordinated Notes qualify as Tier 2 capital for regulatory purposes. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company adopted ASU 2015-03 that requires debt
issuance costs to be reported as a direct deduction from the face value of the Subordinated Notes and not as a deferred charge.&nbsp;Refer to Note 1 for additional information.&nbsp;The debt issuance costs will be amortized as an adjustment to
interest expense over 15 years. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(10.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>COMMITMENTS AND CONTINGENCIES </B></TD></TR></TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Financial Instruments with Off-Balance Sheet Risk </B></P>
<P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company has financial instruments with off-balance sheet risk established in the normal course of business to meet the financing needs of
its customers.&nbsp;These financial instruments include commitments to extend credit and standby letters of credit.&nbsp;These instruments involve, to varying degrees, elements of credit and interest rate risk extending beyond amounts recognized in
the financial statements.</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company&#146;s exposure to credit loss in the event of nonperformance by the other party to the financial
instrument for commitments to extend credit and standby letters of credit is essentially the same as that involved with extending loans to customers. The Company uses the same credit underwriting policies in making commitments and conditional
obligations as for on-balance sheet instruments. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Off-balance sheet commitments as of December&nbsp;31 consist of the following (in
thousands): </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="88%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" ROWSPAN="3"><B> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commitments to extend credit</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">514,818&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">450,343&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Standby letters of credit</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,746&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,578&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 92 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(10.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>COMMITMENTS AND CONTINGENCIES (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Commitments to extend credit are agreements to lend to a customer as long as there is no
violation of any condition established in the agreement. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Commitments may expire without being drawn upon; therefore the total commitment
amounts do not necessarily represent future cash requirements. Each customer&#146;s creditworthiness is evaluated on a case-by-case basis. The amount of collateral obtained, if any, is based on management&#146;s credit evaluation of the borrower.
Standby letters of credit are conditional lending commitments issued by the Company to guarantee the performance of a customer to a third party. These standby letters of credit are primarily issued to support private borrowing arrangements. The
credit risk involved in issuing standby letters of credit is essentially the same as that involved in extending loan facilities to customers. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company also extends rate lock agreements to borrowers related to the origination of residential mortgage loans.&nbsp;To mitigate the
interest rate risk inherent in these rate lock agreements when the Company intends to sell the related loan, once originated, as well as closed residential mortgage loans held for sale, the Company enters into forward commitments to sell individual
residential mortgages.&nbsp;Rate lock agreements and forward commitments are considered derivatives and are recorded at fair value.&nbsp;Forward sales commitments totaled $1.3 million and $1.2 million at December&nbsp;31, 2015 and 2014,
respectively.&nbsp;The net change in the fair values of these derivatives was recognized as other noninterest income or other noninterest expense in the consolidated statements of income. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Lease Obligations </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company is
obligated under a number of noncancellable operating lease agreements for land, buildings and equipment.&nbsp;Certain of these leases provide for escalation clauses and contain renewal options calling for increased rentals if the lease is
renewed.&nbsp;Future minimum payments by year and in the aggregate, under the noncancellable leases with initial or remaining terms of one year or more, are as follows at December&nbsp;31, 2015 (in thousands): </P>
<P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="50%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2016</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,644&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2017</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,271&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2018</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,020&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2019</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">942&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2020</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">810&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Thereafter</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,160&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8,847&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Rent expense relating to these operating leases, included in occupancy and equipment expense in the statements
of income, was $2.0&nbsp;million, $1.8 million and $1.7 million in 2015, 2014 and 2013, respectively. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Contingent Liabilities </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In the ordinary course of business there are various threatened and pending legal proceedings against the Company.&nbsp;Based on consultation
with outside legal counsel, management believes that the aggregate liability, if any, arising from such litigation would not have a material adverse effect on the Company&#146;s consolidated financial statements. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 93 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(11.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>REGULATORY MATTERS </B></TD></TR></TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>General </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The supervision and regulation of financial and bank holding companies and their subsidiaries is intended primarily for the protection of
depositors, the deposit insurance funds regulated by the FDIC and the banking system as a whole, and not for the protection of shareholders or creditors of bank holding companies.&nbsp;The various bank regulatory agencies have broad enforcement
power over financial holding companies and banks, including the power to impose substantial fines, operational restrictions and other penalties for violations of laws and regulations and for safety and soundness considerations. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Capital </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Banks and bank holding companies
are subject to various regulatory capital requirements administered by state and federal banking agencies. Capital adequacy guidelines and, additionally for banks, prompt corrective action regulations, involve quantitative measures of assets,
liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators about components, risk weighting and other factors. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Basel III Capital Rules, a new comprehensive capital framework for U.S. banking organizations, became effective for the Company and the
Bank on January&nbsp;1, 2015 (subject to a phase-in period for certain provisions). Quantitative measures established by the Basel III Capital Rules to ensure capital adequacy require the maintenance of minimum amounts and ratios (set forth in the
table that follows) of Common Equity Tier 1 capital (&#147;CET1&#148;), Tier 1 capital and Total capital (as defined in the regulations) to <FONT STYLE="white-space:nowrap">risk-weighted</FONT> assets (as defined), and of Tier 1 capital to adjusted
quarterly average assets (as defined). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company&#146;s and the Bank&#146;s Common Equity Tier 1 capital includes common stock and
related paid-in capital, net of treasury stock, and retained earnings.&nbsp;In connection with the adoption of the Basel III Capital Rules, we elected to opt-out of the requirement to include most components of accumulated other comprehensive income
in Common Equity Tier 1.&nbsp;Common Equity Tier 1 for both the Company and the Bank is reduced by goodwill and other intangible assets, net of associated deferred tax liabilities, and subject to transition provisions. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Tier 1 capital includes Common Equity Tier 1 capital and additional Tier 1 capital.&nbsp;For the Company, additional Tier 1 capital at
December&nbsp;31, 2015 includes, subject to limitation, $17.3&nbsp;million of preferred stock. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Total capital includes Tier 1 capital and
Tier 2 capital. Tier 2 capital for both the Company and the Bank includes a permissible portion of the allowance for loan losses. Tier 2 capital for the Company also includes qualified subordinated debt. At December&nbsp;31, 2015, the Company&#146;s
Tier 2 capital included $39.0 million of Subordinated Notes. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Prior to January&nbsp;1, 2015, under the capital rules then in effect, the
Company&#146;s and the Bank&#146;s Tier 1 capital included total shareholders&#146; equity excluding accumulated other comprehensive income and goodwill and other intangible assets, net of associated deferred tax liabilities. Tier 1 capital for the
Company also included $17.3 million of preferred stock. The Company and the Bank&#146;s Total capital included Tier 1 capital for each entity plus a permissible portion of the allowance for loan losses. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Common Equity Tier 1 (beginning in 2015), Tier 1 and Total capital ratios are calculated by dividing the respective capital amounts by
risk-weighted assets. Risk-weighted assets are calculated based on regulatory requirements and include total assets, with certain exclusions, allocated by risk weight category, and certain off-balance-sheet items, among other things. The leverage
ratio is calculated by dividing Tier 1 capital by adjusted quarterly average total assets, which exclude goodwill and other intangible assets, among other things. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">When fully phased in on January&nbsp;1, 2019, the Basel III Capital Rules will require the Company and the Bank to maintain (i) a minimum ratio
of Common Equity Tier 1 capital to risk-weighted assets of at least 4.5%, plus a 2.5% &#147;capital conservation buffer&#148; (which is added to the 4.5% Common Equity Tier 1 capital ratio as that buffer is phased in, effectively resulting in a
minimum ratio of Common Equity Tier 1 capital to risk-weighted assets of at least 7.0% upon full implementation), (ii) a minimum ratio of Tier 1 capital to risk-weighted assets of at least 6.0%, plus the capital conservation buffer (which is added
to the 6.0% Tier 1 capital ratio as that buffer is phased in, effectively resulting in a minimum Tier 1 capital ratio of 8.5% upon full implementation), (iii) a minimum ratio of Total capital (that is, Tier 1 plus Tier 2) to risk-weighted assets of
at least 8.0%, plus the capital conservation buffer (which is added to the 8.0% total capital ratio as that buffer is phased in, effectively resulting in a minimum total capital ratio of 10.5% upon full implementation) and (iv) a minimum leverage
ratio of 4.0%, calculated as the ratio of Tier 1 capital to average quarterly assets. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 94 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(11.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>REGULATORY MATTERS (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The implementation of the capital conservation buffer will begin on January&nbsp;1, 2016 at
the 0.625% level and be phased in over a four-year period (increasing by that amount on each subsequent January&nbsp;1, until it reaches 2.5% on January&nbsp;1, 2019). The Basel III Capital Rules also provide for a &#147;countercyclical capital
buffer&#148; that is applicable to only certain covered institutions and does not have any current applicability to the Company or the Bank. The capital conservation buffer is designed to absorb losses during periods of economic stress and, as
detailed above, effectively increases the minimum required risk-weighted capital ratios. Banking institutions with a ratio of Common Equity Tier 1 capital to risk-weighted assets below the effective minimum (4.5% plus the capital conservation buffer
and, if applicable, the countercyclical capital buffer) will face constraints on dividends, equity repurchases and compensation based on the amount of the shortfall. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table presents actual and required capital ratios as of December&nbsp;31, 2015 for the Company and the Bank under the
Basel&nbsp;III Capital Rules. The minimum required capital amounts presented include the minimum required capital levels as of December&nbsp;31, 2015 based on the phase-in provisions of the Basel III Capital Rules and the minimum required capital
levels as of January&nbsp;1, 2019 when the Basel III Capital Rules have been fully phased-in. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the
Basel III Capital Rules (in thousands): </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:3pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:3pt"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:10pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:10pt"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:3pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:3pt"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:10pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:10pt"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:3pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:3pt"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:7pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:7pt"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:2pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:2pt"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:7pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:7pt"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Actual</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Minimum Capital<BR>Required&nbsp;&#150;&nbsp;Basel III<BR>Phase-in Schedule</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Minimum&nbsp;Capital<BR></B><B><I></I></B><B>Required&nbsp;&#150;&nbsp;Basel III<BR>Fully Phased-in</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Required&nbsp;to&nbsp;be<BR>Considered&nbsp;Well<BR>Capitalized</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Amount&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ratio&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Amount&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Ratio&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Amount&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Ratio&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Amount&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Ratio&nbsp;&nbsp;&nbsp;&nbsp;</B></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2015</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000;" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000;" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000;" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000;" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000;" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000;" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000;" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000;" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tier 1 leverage:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;243,452</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.41&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">%</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;131,506</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">%</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;131,506</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">%</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;164,382</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">%</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Bank</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">265,487</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8.09&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">131,188</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">131,188</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">163,985</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">5.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CET1 capital:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">226,413</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9.77&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">104,334</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4.50&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">162,297</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">150,705</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6.50&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Bank</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">265,487</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">11.49&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">103,971</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4.50&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">161,733</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">150,180</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6.50&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tier 1 capital:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">243,452</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10.50&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">139,112</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">197,076</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8.50&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">185,483</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Bank</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">265,487</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">11.49&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">138,628</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">196,389</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8.50&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">184,837</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total capital:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">309,527</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13.35&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">185,483</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">243,446</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10.50&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">231,854</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Bank</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">292,572</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">12.66&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">184,837</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">242,599</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10.50&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">231,046</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company&#146;s and the Bank&#146;s actual and required regulatory capital ratios of December&nbsp;31, 2014
under the regulatory capital rules then in effect were as follows (in thousands): </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="81%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:2pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:2pt"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:7pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:7pt"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:2pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:2pt"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:10pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:10pt"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:2pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:2pt"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:7pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:7pt"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Actual</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Minimum&nbsp;Required<BR>for&nbsp;Capital<BR>Adequacy&nbsp;Purposes</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Required&nbsp;to&nbsp;be<BR></B><B><I></I></B><B>Considered&nbsp;Well</B><B><I><BR></I></B><B>Capitalized</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Amount&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Ratio&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Amount&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Ratio&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Amount&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Ratio&nbsp;&nbsp;&nbsp;&nbsp;</B></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2014</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000;" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000;" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000;" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000;" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000;" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000;" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tier 1 leverage:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Company</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;219,904</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.35&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;119,722</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;149,653</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">%</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">Bank</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">215,672</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7.21&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">119,671</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">149,588</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">5.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tier 1 capital:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Company</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">219,904</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.47&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83,985</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">125,977</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">Bank</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">215,672</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10.28&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">83,889</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">125,834</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Total&nbsp;risk-based&nbsp;capital:</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Company</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">246,166</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.72&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">167,970</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">209,962</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">Bank</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">241,905</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">11.53&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">167,779</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">209,723</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">As of December&nbsp;31, 2015, the Company and Bank were considered &#147;well capitalized&#148; under all
regulatory capital guidelines. Such determination has been made based on the Tier 1 leverage, CET1 capital, Tier 1 capital and total capital ratios. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Federal Reserve Requirements </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">As of
December&nbsp;31, 2015 and 2014, the Bank was not required to maintain a reserve balance at the FRB of New York. The reserve requirement was $1.0 million as of December&nbsp;31, 2013. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 95 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(11.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>REGULATORY MATTERS (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Dividend Restrictions </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In the ordinary course of business, the Company is dependent upon dividends from the Bank to provide funds for the payment of dividends to
shareholders and to provide for other cash requirements.&nbsp;Banking regulations may limit the amount of dividends that may be paid.&nbsp;Approval by regulatory authorities is required if the effect of dividends declared would cause the regulatory
capital of the Bank to fall below specified minimum levels.&nbsp;Approval is also required if dividends declared exceed the net profits for that year combined with the retained net profits for the preceding two years. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(12.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>SHAREHOLDERS&#146; EQUITY </B></TD></TR></TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company&#146;s authorized capital stock consists of
50,210,000&nbsp;shares of capital stock, 50,000,000 of which are common stock, par value $0.01&nbsp;per share, and 210,000 of which are preferred stock, par value $100&nbsp;per share, which is designated into two classes, Class A of which 10,000
shares are authorized, and Class B of which 200,000 shares are authorized. There are two series of Class A preferred stock: Series A 3% preferred stock and the Series A preferred stock. There is one series of Class B preferred stock: <FONT
STYLE="white-space:nowrap">Series&nbsp;B-1</FONT> 8.48% preferred stock. There were 173,398 shares of preferred stock issued and outstanding as of December&nbsp;31, 2015 and 2014. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Common Stock </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table sets
forth the changes in the number of shares of common stock for the years ended December&nbsp;31: </P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="94%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;Outstanding&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Treasury&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Issued&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2015</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="12" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Shares outstanding at beginning of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,118,048&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">279,461&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,397,509&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Restricted stock awards issued</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">59,834&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(59,834)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Restricted stock awards forfeited</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,490)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,490&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock options exercised</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">18,922&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(18,922)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Treasury stock purchases</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(7,523)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,523&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock awards</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,401&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(4,401)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Shares outstanding at end of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,190,192&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">207,317&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,397,509&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2014</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="12" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Shares outstanding at beginning of year</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13,829,355&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">332,242&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">14,161,597&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Shares issued for the SDN acquisition</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">235,912&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">235,912&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Restricted stock awards issued</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">43,242&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(43,242)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Restricted stock awards forfeited</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(15,441)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,441&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock options exercised</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">34,082&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(34,082)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Treasury stock purchases</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9,102)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,102&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Shares outstanding at end of year</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;14,118,048&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;279,461&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;14,397,509&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Preferred Stock </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B><I>Series A 3% Preferred Stock.</I></B>&nbsp;&nbsp;There were 1,492 shares of Series A 3% preferred stock issued and outstanding as of
December&nbsp;31, 2015 and 2014.&nbsp;Holders of Series A 3% preferred stock are entitled to receive an annual dividend of $3.00 per share, which is cumulative and payable quarterly. Holders of Series A 3% preferred stock have no pre-emptive right
in, or right to purchase or subscribe for, any additional shares of the Company&#146;s capital stock and have no voting rights. Dividend or dissolution payments to the Class A shareholders must be declared and paid, or set apart for payment, before
any dividends or dissolution payments can be declared and paid, or set apart for payment, to the holders of Class B preferred stock or common stock. The Series A 3% preferred stock is not convertible into any other of the Company&#146;s securities.
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 96 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(12.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>SHAREHOLDERS&#146; EQUITY (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B><I>Series B-1 8.48% Preferred Stock.</I></B>&nbsp;&nbsp; There were 171,906 shares of
Series B-1 8.48% preferred stock issued and outstanding as of December&nbsp;31, 2015 and 2014.&nbsp;Holders of Series B-1 8.48% preferred stock are entitled to receive an annual dividend of $8.48 per share, which is cumulative and payable quarterly.
Holders of Series B-1 8.48% preferred stock have no pre-emptive right in, or right to purchase or subscribe for, any additional shares of the Company&#146;s common stock and have no voting rights. Accumulated dividends on the Series B-1 8.48%
preferred stock do not bear interest, and the Series B-1 8.48% preferred stock is not subject to redemption. Dividend or dissolution payments to the Class B shareholders must be declared and paid, or set apart for payment, before any dividends or
dissolution payments are declared and paid, or set apart for payment, to the holders of common stock. The <FONT STYLE="white-space:nowrap">Series&nbsp;B-1</FONT> 8.48% preferred stock is not convertible into any other of the Company&#146;s
securities. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(13.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) </B></TD></TR></TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table presents the
components of other comprehensive income (loss) for the years ended December&nbsp;31 (in thousands): </P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="69%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Pre-tax</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Amount</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Tax&nbsp;Effect</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Net-of-tax</FONT></FONT></B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Amount</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2015</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="12" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities available for sale and transferred securities:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Change in unrealized gain/loss during the period</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,529)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(591)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(938)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Reclassification adjustment for net gains included in net income <SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,251)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(868)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,383)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total securities available for sale and transferred securities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(3,780)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,459)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(2,321)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Pension and post-retirement obligations:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net actuarial gains (losses) arising during the year</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(887)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(342)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(545)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amortization of net actuarial loss and prior service cost included in income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">895&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">345&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">550&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total pension and post-retirement obligations</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">5&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other comprehensive loss</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(3,772)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(1,456)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(2,316)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2014</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="12" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities available for sale and transferred securities:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Change in unrealized gain/loss during the period</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14,008&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5,549&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8,459&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Reclassification adjustment for net gains included in net income
<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(2,478)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(981)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,497)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total securities available for sale and transferred securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,530&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,568&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,962&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Pension and post-retirement obligations:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net actuarial gains (losses) arising during the year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9,709)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,846)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5,863)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amortization of net actuarial loss and prior service cost included in income</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">128&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">51&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">77&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total pension and post-retirement obligations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9,581)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,795)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5,786)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other comprehensive income</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,949&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">773&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,176&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2013</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="12" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities available for sale and transferred securities:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Change in unrealized gain/loss during the period</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(34,135)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(13,522)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(20,613)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Reclassification adjustment for net gains included in net income
<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,298)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(514)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(784)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total securities available for sale and transferred securities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(35,433)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(14,036)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(21,397)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Pension and post-retirement obligations:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net actuarial gains (losses) arising during the year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,860&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,698&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,162&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amortization of net actuarial loss and prior service cost included in income</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,316&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">521&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">795&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total pension and post-retirement obligations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,176&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,219&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,957&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other comprehensive loss</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(22,257)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(8,817)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(13,440)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:5%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>Includes amounts related to the amortization/accretion of unrealized net gains and losses
related to the Company&#146;s reclassification of available for sale investment securities to the held to maturity category. The unrealized net gains/losses will be amortized/accreted over the remaining life of the investment securities as an
adjustment of yield. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 97 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(13.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Activity in accumulated other comprehensive income (loss), net of tax, was as follows (in
thousands): </P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="91%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Securities</B><br><B>&nbsp;&nbsp;&nbsp;&nbsp;Available&nbsp;for&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>Sale
and</B><br><B>Transferred</B><br><B>Securities</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Pension&nbsp;and&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>Post-</B><br><B>retirement</B><br><B>Obligations</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Accumulated&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>Other</B><br><B>Comprehensive</B><br><B>Income (Loss)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance at January&nbsp;1, 2015</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,625&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(10,636)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(9,011)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other comprehensive income (loss) before reclassifications</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(938)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(545)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,483)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amounts reclassified from accumulated other comprehensive income</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,383)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">550&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(833)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net current period other comprehensive (loss) income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,321)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,316)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance at December&nbsp;31, 2015</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(696)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(10,631)</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(11,327)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance at January&nbsp;1, 2014</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(5,337)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(4,850)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(10,187)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other comprehensive income (loss) before reclassifications</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,459&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5,863)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,596&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amounts reclassified from accumulated other comprehensive income</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,497)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">77&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,420)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net current period other comprehensive (loss) income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,962&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5,786)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,176&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance at December&nbsp;31, 2014</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,625&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(10,636)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(9,011)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance at January&nbsp;1, 2013</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">16,060&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(12,807)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,253&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other comprehensive income (loss) before reclassifications</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(20,613)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,162&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(13,451)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amounts reclassified from accumulated other comprehensive income</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(784)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">795&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">11&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net current period other comprehensive income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(21,397)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,957&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(13,440)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance at December&nbsp;31, 2013</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(5,337)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(4,850)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(10,187)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table presents the amounts reclassified out of each component of accumulated other comprehensive
income (loss) for the years ended December&nbsp;31 (in thousands): </P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="43%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="39%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Details About Accumulated Other</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><B>Comprehensive Income Components</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount&nbsp;Reclassified&nbsp;from</B><br><B>Accumulated&nbsp;Other</B><br><B>Comprehensive&nbsp;Income</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Affected Line Item in the</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Consolidated Statement of Income</B></P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Realized gain on sale of investment securities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;1,988&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;2,041&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">Net gain on disposal of investment securities</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amortization of unrealized holding gains (losses) on investment securities transferred from available for sale to held to
maturity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">263&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">437&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Interest income</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,251&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,478&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">Total before tax</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(868)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(981)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Income tax expense</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,383&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,497&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">Net of tax</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amortization of pension and post-retirement items:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Prior service credit <SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">48&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">48&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">Salaries and employee benefits</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net actuarial losses<SUP STYLE="font-size:85%; vertical-align:top"> (1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(943)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(176)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Salaries and employee benefits</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(895)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(128)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">Total before tax</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">345&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Income tax benefit</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(550)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(77)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">Net of tax</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total reclassified for the period</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">833&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,420&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:5%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>These items are included in the computation of net periodic pension expense. See Note 17
&#150; Employee Benefit Plans for additional information. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 98 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(14.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>SHARE-BASED COMPENSATION </B></TD></TR></TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company maintains certain stock-based compensation plans,
approved by the Company&#146;s shareholders that are administered by the Management Development and Compensation Committee (the &#147;Compensation Committee&#148;) of the Board. In May&nbsp;2015, the Company&#146;s shareholders approved the 2015
Long-Term Incentive Plan (the &#147;2015 Plan&#148;) to replace the 2009 Management Stock Incentive Plan and the 2009 Directors&#146; Stock Incentive Plan (collectively, the &#147;2009 Plans&#148;). A total of 438,076 shares transferred from the
2009 Plans were available for grant pursuant to the 2015 Plan as of May 6, 2015, the date of approval of the 2015 Plan. In addition, any shares subject to outstanding awards under the 2009 Plans that are canceled, expired, forfeited or otherwise not
issued or are settled in cash on or after May 6, 2015, will become available for future award grants under the 2015 Plan. As of December&nbsp;31, 2015, there were approximately 424,000 shares available for grant under the 2015 Plan. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Under the Plan, the Compensation Committee may establish and prescribe grant guidelines including various terms and conditions for the granting
of stock-based compensation. For stock options, the exercise price of each option equals the market price of the Company&#146;s stock on the date of the grant. All options expire after a period of ten years from the date of grant and generally
become fully exercisable over a period of 3 to 5 years from the grant date. When an option recipient exercises their options, the Company issues shares from treasury stock and records the proceeds as additions to capital. Shares of restricted stock
granted to employees generally vest over 2 to 3&nbsp;years from the grant date. Fifty percent of the shares of restricted stock granted to non-employee directors generally vests on the date of grant and the remaining fifty percent generally vests
one year from the grant date. Vesting of the shares may be based on years of service, established performance measures or both. If restricted stock grants are forfeited before they vest, the shares are reacquired into treasury stock. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The share-based compensation plans were established to allow for the granting of compensation awards to attract, motivate and retain employees,
executive officers and non-employee directors who contribute to the long-term growth and profitability of the Company and to give such persons a proprietary interest in the Company, thereby enhancing their personal interest in the Company&#146;s
success. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company awarded grants of 36,384 shares of restricted common stock to certain members of management during the year ended
December&nbsp;31, 2015. Thirty percent of the shares subject to each grant will be earned based upon achievement of an EPS performance requirement for the Company&#146;s fiscal year ended December&nbsp;31, 2015. The remaining seventy percent of the
shares will be earned based on the Company&#146;s achievement of a relative total shareholder return (&#147;TSR&#148;) performance requirement, on a percentile basis, compared to the SNL Small Cap Bank &amp; Thrifts Index over a three-year
performance period ended December&nbsp;31, 2017. The shares earned based on the achievement of the EPS and TSR performance requirements, if any, will vest on February&nbsp;25, 2018 assuming the recipient&#146;s continuous service to the Company.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The grant-date fair value of the TSR portion of the award granted during the year ended December 31, 2015 was determined using the Monte
Carlo simulation model on the date of grant, assuming the following (i) expected term of 2.85 years, (ii) risk free interest rate of 0.92%, (iii) expected dividend yield of 3.53% and (iv) expected stock price volatility over the expected term of the
TSR award of 26.8%. The grant-date fair value of all other restricted stock awards is equal to the closing market price of the Company&#146;s common stock on the date of grant. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company granted 12,700 additional shares of restricted common stock to management during the year ended December&nbsp;31, 2015.&nbsp;These
shares will vest after completion of a three-year service requirement.&nbsp;The average market price of the restricted stock awards on the date of grant was $22.79. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">During the year ended December&nbsp;31, 2015, the Company granted a total of 10,750 restricted shares of common stock to non-employee
directors, of which 5,380 shares vested immediately and 5,370 shares will vest after completion of a one-year service requirement.&nbsp;The market price of the restricted stock on the date of grant was $23.25.&nbsp;In addition, the Company issued a
total of 4,401 shares of common stock in-lieu of cash for the annual retainer of three non-employee directors during the year ended December&nbsp;31, 2015.&nbsp;The weighted average market price of the stock on the date of grant was $24.96.</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The restricted stock awards granted to management and directors in 2015 do not have rights to dividends or dividend equivalents. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 99 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(14.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>SHARE-BASED COMPENSATION (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company uses the Black-Scholes valuation method to estimate the fair value of its stock
option awards.&nbsp;There were no stock options awarded during 2015, 2014 or 2013.&nbsp;There was no unrecognized compensation expense related to unvested stock options as of December&nbsp;31, 2015.&nbsp;The following is a summary of stock option
activity for the year ended December&nbsp;31, 2015 (dollars in thousands, except per share amounts): </P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="90%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="90%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Number&nbsp;of&nbsp;&nbsp;</B><br><B>Options</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Weighted&nbsp;&nbsp;</B><br><B>Average</B><br><B>Exercise</B><br><B>Price</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Weighted&nbsp;&nbsp;</B><br><B>Average</B><br><B>Remaining</B><br><B>Contractual</B><br><B>Term</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Aggregate&nbsp;&nbsp;</B><br><B>Intrinsic</B><br><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Outstanding at beginning of year</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">135,416&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">19.25&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;Granted</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;Exercised</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(18,922)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">18.99&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;Forfeited</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;Expired</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(14,245)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">19.87&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Outstanding and exercisable at end of period</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">102,249&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">19.21&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.3&nbsp;years&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;899&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The aggregate intrinsic value (the amount by which the market price of the stock on the date of exercise
exceeded the market price of the stock on the date of grant) of option exercises for the years ended December&nbsp;31, 2015, 2014 and 2013 was $106 thousand, $161 thousand, and $106 thousand, respectively.&nbsp;The total cash received as a result of
option exercises under stock compensation plans for the years ended December&nbsp;31, 2015, 2014 and 2013 was $359 thousand, $667&nbsp;thousand, and $448 thousand, respectively.&nbsp;The tax benefits realized in connection with these stock option
exercises were not significant. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following is a summary of restricted stock award activity for the year ended December&nbsp;31, 2015:
</P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="95%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Number&nbsp;of&nbsp;&nbsp;</B><br><B>Shares</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Weighted</B><br><B>Average</B><br><B>Market</B><br><B>Price at</B><br><B>&nbsp;&nbsp;Grant&nbsp;Date&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Outstanding at beginning of year</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">59,113&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">17.24&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;Granted</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,834&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.66&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;Vested</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(32,549)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">17.80&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;Forfeited</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,490)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.32&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Outstanding at end of period</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">82,908&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">17.23&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">As of December&nbsp;31, 2015, there was $737 thousand of unrecognized compensation expense related to unvested
restricted stock awards that is expected to be recognized over a weighted average period of 1.8 years. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company amortizes the expense
related to restricted stock awards over the vesting period.&nbsp;Share-based compensation expense is recorded as a component of salaries and employee benefits in the consolidated statements of income for awards granted to management and as a
component of other noninterest expense for awards granted to directors.&nbsp;The share-based compensation expense for the years ended December&nbsp;31 was as follows (in thousands): </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="91%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2013&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Salaries and employee benefits</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;431&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;270&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;236&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other noninterest expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">243&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">201&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">171&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total share-based compensation expense</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;674&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;471&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;407&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 100 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(15.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>INCOME TAXES </B></TD></TR></TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The income tax expense for the years ended December&nbsp;31 consisted of
the following (in thousands): </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="91%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2013&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Current tax expense (benefit):</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">8,720&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">7,546&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">8,917&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">21&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(75)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,913&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total current tax expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,741&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,471&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,830&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deferred tax expense (benefit):</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,440&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,538&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,251&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">358&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(384)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">296&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total deferred tax expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,798&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,154&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,547&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total income tax expense</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10,539&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9,625&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">12,377&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="12"> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Income tax expense differed from the
statutory federal income tax rate for the years ended December&nbsp;31 as follows:</P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="top"> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt"></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;</P>
<P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:1pt"></P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2013&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Statutory federal tax rate</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">35.0%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">35.0%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">35.0%</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Increase (decrease) resulting from:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tax exempt interest income</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(6.1)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(5.1)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(4.8)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tax credits and adjustments</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(0.7)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3.5)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Non-taxable earnings on company owned life insurance</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1.8)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1.6)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1.6)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State taxes, net of federal tax benefit</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.7&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(0.8)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.8&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Nondeductible expenses</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.3&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.5&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.2&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Goodwill and contingent consideration adjustments</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(0.3)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other, net</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.2&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">0.1&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Effective tax rate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27.1%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24.7%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32.7%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="12"> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Total income tax expense (benefit) was allocated as
follows for the years ended December&nbsp;31 (in thousands):</P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="top"> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt"></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;</P>
<P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:1pt"></P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2013&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income tax expense</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10,539&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9,625&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">12,377&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Shareholder&#146;s equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,456)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">925&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(8,817)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company recognizes deferred income taxes for the estimated future tax effects of differences between the
tax and financial statement bases of assets and liabilities considering enacted tax laws. These differences result in deferred tax assets and liabilities, which are included in other assets in the Company&#146;s consolidated statements of condition.
The Company also assesses the likelihood that deferred tax assets will be realizable based on, among other considerations, future taxable income and establishes, if necessary, a valuation allowance for those deferred tax assets determined to not
likely be realizable. A deferred tax asset valuation allowance is recognized if, based on the weight of available evidence (both positive and negative), it is more likely than not that some portion or all of the deferred tax assets will not be
realized. The future realization of deferred tax benefits depends upon the existence of sufficient taxable income within the carry-back and carry-forward periods. Management&#146;s judgment is required in determining the appropriate recognition of
deferred tax assets and liabilities, including projections of future taxable income. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 101 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(15.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>INCOME TAXES (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company&#146;s net deferred tax asset is included in other assets in the consolidated
statements of condition. The tax effects of temporary differences that give rise to the deferred tax assets and deferred tax liabilities are as follows at December&nbsp;31 (in thousands): </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="94%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deferred tax assets:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;10,452&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;10,666&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deferred compensation</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">972&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">938&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment in limited partnerships</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">954&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">953&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SERP agreements</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">767&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">704&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest on nonaccrual loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">615&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">664&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Benefit of tax credit carryforwards</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">502&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">569&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Share-based compensation</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">538&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">565&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net unrealized loss on securities available for sale</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">420&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other than temporary impairment of investment securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,917&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">328&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">520&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gross deferred tax assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,548&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,496&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deferred tax liabilities:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Prepaid pension costs</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,065&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,346&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Intangible assets</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,667&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,662&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Depreciation and amortization</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,004&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,249&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net unrealized gain on securities available for sale</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,039&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loan servicing assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">479&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">525&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gross deferred tax liabilities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9,215&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10,821&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net deferred tax asset</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">6,333&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">6,675&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In March&nbsp;2014, the New York legislature approved changes in the state tax law that will be phased-in over
two years, beginning in 2015. The primary changes that impact us include the repeal of the Article 32 franchise tax on banking corporations (&#147;Article 32A&#148;) for 2015, expanded nexus standards for 2015 and a reduction in the corporate tax
rate for 2016. The repeal of Article 32A and the expanded nexus standards lowered our taxable income apportioned to New York in 2015 compared to 2014. In addition, the New York state income tax rate will be reduced from 7.1% to 6.5% in 2016. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Based upon the Company&#146;s historical and projected future levels of pre-tax and taxable income, the scheduled reversals of taxable
temporary differences to offset future deductible amounts, and prudent and feasible tax planning strategies, management believes it is more likely than not that the deferred tax assets will be realized. As such, no valuation allowance has been
recorded as of December&nbsp;31, 2015 or 2014. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company and its subsidiaries are primarily subject to federal and New York income
taxes.&nbsp;The federal income tax years currently open for audit are 2013 through 2015.&nbsp;The New York income tax years currently open for audit are 2012 through 2015. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">At December&nbsp;31, 2015, the Company had no federal or New York net operating loss carryforwards.&nbsp;The Company has New York tax credits
of approximately $800 thousand which have an unlimited carryforward period. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company&#146;s unrecognized tax benefits and changes in
unrecognized tax benefits were not significant as of or for the years ended December&nbsp;31, 2015, 2014 and 2013. There were no material interest or penalties recorded in the income statement in income tax expense for the years ended
December&nbsp;31, 2015, 2014 and 2013.&nbsp;As of December&nbsp;31, 2015 and 2014, there were no amounts accrued for interest or penalties related to uncertain tax positions. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 102 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(16.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>EARNINGS PER COMMON SHARE </B></TD></TR></TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table presents a reconciliation of the
earnings and shares used in calculating basic and diluted EPS for each of the years ended December&nbsp;31 (in thousands, except per share amounts). All outstanding unvested share-based payment awards that contain rights to nonforfeitable dividends
are considered participating securities. </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="91%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2013&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income available to common shareholders for EPS</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">26,875&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">27,893&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">24,064&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average common shares outstanding:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total shares issued</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">14,398&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">14,261&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">14,162&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Unvested restricted stock awards</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(93)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(64)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(69)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Treasury shares</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(224)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(304)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(354)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total basic weighted average common shares outstanding</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,081&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,893&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,739&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Incremental shares from assumed:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exercise of stock options</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Vesting of restricted stock awards</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">30&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">27&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">32&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total diluted weighted average common shares outstanding</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,135&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,946&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,784&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Basic earnings per common share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1.91&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2.01&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1.75&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Diluted earnings per common share</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1.90&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2.00&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1.75&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="19" COLSPAN="13"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="12"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">For each of the periods presented, average shares subject to the following instruments were excluded from the computation of
diluted EPS because the effect would be antidilutive:</P> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;</P> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt"></P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock options</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">122&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Restricted stock awards</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">124&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">There were no participating securities outstanding for the years ended December&nbsp;2015, 2014 and 2013;
therefore, the two-class method of calculating basic and diluted EPS was not applicable for the years presented. </P> <P STYLE="font-size:24pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(17.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>EMPLOYEE BENEFIT PLANS </B></TD></TR></TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Defined Contribution Plan </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Employees that meet specified eligibility conditions are eligible to participate in the Company sponsored 401(k) plan. Under the plan,
participants may make contributions, in the form of salary deferrals, up to the maximum Internal Revenue Code limit. Until December&nbsp;31, 2015, the Company matched a participant&#146;s contributions up to 4.5% of compensation, calculated at 100%
of the first 3% of compensation and 50% of the next 3% of compensation deferred by the participant. The Company was also permitted to make additional discretionary matching contributions, although no such additional discretionary contributions were
made in 2015, 2014 or 2013. The expense included in salaries and employee benefits in the consolidated statements of income for this plan amounted to $1.3 million in 2015 and $1.1 million in 2014 and 2013. Effective January&nbsp;1, 2016, the 401(k)
Plan was amended to discontinue the Company&#146;s matching contribution. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Defined Benefit Pension Plan </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company participates in The New York State Bankers Retirement System (the &#147;Plan&#148;), a defined benefit pension plan covering
substantially all employees, subject to the limitations related to the plan closure effective December&nbsp;31, 2006. Prior to January&nbsp;1, 2016, the benefits were generally based on years of service and the employee&#146;s highest average
compensation during five consecutive years of employment. The defined benefit plan was closed to new participants effective December&nbsp;31, 2006. Only employees hired on or before December&nbsp;31, 2006 and who met participation requirements on or
before January&nbsp;1, 2008 were eligible to receive benefits. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Effective January&nbsp;1, 2016, the Plan was amended to open the Plan up to
eligible employees who were hired on and after January&nbsp;1, 2007, discontinue the Plan&#146;s prior formula and provide all eligible participants with a cash balance benefit formula. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 103 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(17.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>EMPLOYEE BENEFIT PLANS (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table provides a reconciliation of the Company&#146;s changes in the
Plan&#146;s benefit obligations, fair value of assets and a statement of the funded status as of and for the year ended December&nbsp;31 (in thousands): </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="94%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Change in projected benefit obligation:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Projected benefit obligation at beginning of period</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">61,732&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">48,991&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Service cost</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,324&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,918&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest cost</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,328&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,291&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Actuarial (gain) loss</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(4,406)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10,938&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Benefits paid and plan expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,746)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,406)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Projected benefit obligation at end of period</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">59,232&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">61,732&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Change in plan assets:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fair value of plan assets at beginning of period</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">75,584&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">64,603&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Actual return on plan assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(480)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,387&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Employer contributions</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8,000&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Benefits paid and plan expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,746)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,406)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fair value of plan assets at end of period</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">72,358&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">75,584&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Funded status at end of period</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">13,126&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">13,852&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The accumulated benefit obligation was $53.5 million and $54.9 million at December&nbsp;31, 2015 and 2014,
respectively. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company&#146;s funding policy is to contribute, at a minimum, an actuarially determined amount that will satisfy the
minimum funding requirements determined under the appropriate sections of Internal Revenue Code.&nbsp;The Company had no minimum required contribution for the 2016 fiscal year. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Estimated benefit payments under the Plan over the next ten years at December&nbsp;31, 2015 are as follows (in thousands): </P>
<P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="50%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="83%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2016</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,127</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2017</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,288</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2018</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,346</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2019</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,472</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2020</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,666</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2021&nbsp;-&nbsp;2025</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15,627</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Net periodic pension cost consists of the following components for the years ended December&nbsp;31 (in
thousands): </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="91%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2013&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Service cost</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,324&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,918&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,063&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest cost on projected benefit obligation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,328&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,291&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,017&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Expected return on plan assets</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(4,820)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(4,117)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(3,684)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amortization of unrecognized loss</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">926&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">159&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,344&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amortization of unrecognized prior service cost</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">20&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">20&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">20&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net periodic pension cost</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">778&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">271&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,760&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 104 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(17.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>EMPLOYEE BENEFIT PLANS (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The actuarial assumptions used to determine the net periodic pension cost were as follows:
</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="94%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2013&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average discount rate</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3.86%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4.80%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3.84%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Rate of compensation increase</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.00%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.00%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.00%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Expected long-term rate of return</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6.50%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6.50%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6.50%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The actuarial assumptions used to determine the projected benefit obligation were as follows: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="94%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2013&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average discount rate</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4.21%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3.86%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4.80%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Rate of compensation increase</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.00%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.00%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.00%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The weighted average discount rate was based upon the projected benefit cash flows and the market yields of
high grade corporate bonds that are available to pay such cash flows. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The weighted average expected long-term rate of return is estimated
based on current trends in the Plan&#146;s assets as well as projected future rates of return on those assets and reasonable actuarial assumptions based on the guidance provided by Actuarial Standard of Practice No.&nbsp;27, &#147;Selection of
Economic Assumptions for Measuring Pension Obligations&#148; for long term inflation, and the real and nominal rate of investment return for a specific mix of asset classes. The following assumptions were used in determining the long-term rate of
return: </P> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="95%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="76%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">Equity securities</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">Dividend discount model, the smoothed earnings yield model and the equity risk premium model</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Fixed income securities</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Current yield-to-maturity and forecasts of future yields</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">Other&nbsp;financial&nbsp;instruments&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">Comparison of the specific investment&#146;s risk to that of fixed income and equity instruments and using judgment</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The long term rate of return considers historical returns. Adjustments were made to historical returns in order
to reflect expectations of future returns.&nbsp;These adjustments were due to factor forecasts by economists and long-term U.S. Treasury yields to forecast long-term inflation.&nbsp;In addition, forecasts by economists and others for long-term GDP
growth were factored into the development of assumptions for earnings growth and per capita income. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Plan&#146;s overall investment
strategy is to achieve a mix of approximately 97% of investments for long-term growth and 3% for near-term benefit payments with a wide diversification of asset types, fund strategies, and fund managers. The target allocations for Plan assets are
shown in the table below.&nbsp;Cash equivalents consist primarily of government issues (maturing in less than three months) and short term investment funds. Equity securities primarily include investments in common stock, depository receipts,
preferred stock, commingled pension trust funds, exchange traded funds and real estate investment trusts.&nbsp;Fixed income securities include corporate bonds, government issues, credit card receivables, mortgage backed securities, municipals,
commingled pension trust funds and other asset backed securities.&nbsp;Other investments are real estate interests and related investments held within a commingled pension trust fund. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 105 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(17.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>EMPLOYEE BENEFIT PLANS (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Plan currently prohibits its investment managers from purchasing any security greater
than 5% of the portfolio at the time of purchase or greater than 8% at market value in any one issuer.&nbsp;Effective June&nbsp;2013, the issuer of any security purchased must be located in a country in the Morgan Stanley Capital International World
Index.&nbsp;In addition, the following are prohibited: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="95%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="77%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman">Equity securities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Short sales</P>
<P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Unregistered stocks</P>
<P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Margin purchases</P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Fixed income securities</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Mortgage backed derivatives that have an inverse floating rate coupon or that are interest only securities</P>
<P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Any ABS that is not issued by the U.S. Government or its
agencies or its instrumentalities</P> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Generally securities of
less than Baa2/BBB quality may not be purchased</P> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Securities of less than A-quality may not in the aggregate exceed 13% of the investment manager&#146;s portfolio.</P>
<P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">An investment manager&#146;s portfolio of commercial MBS and
ABS shall not exceed 10% of the portfolio at the time of purchase.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5" BGCOLOR="#c6dbf2"></TD>
<TD HEIGHT="5" COLSPAN="2" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman">Other&nbsp;financial&nbsp;instruments&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Unhedged currency exposure in
countries not defined as &#147;high income economies&#148; by the World Bank</P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">All other investments not prohibited by the Plan are permitted.&nbsp;At December&nbsp;31, 2015 and 2014, the
Plan held certain investments which are no longer deemed acceptable to acquire.&nbsp;These positions will be liquidated when the investment managers deem that such liquidation is in the best interest of the Plan. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The target allocation range below is both historic and prospective in that it has not changed since prior to 2013.&nbsp;It is the asset
allocation range that the investment managers have been advised to adhere to and within which they may make tactical asset allocation decisions. </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="90%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="92%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>2015</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Target</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>&nbsp;Percentage&nbsp;of&nbsp;Plan&nbsp;Assets&nbsp;</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>at&nbsp;December&nbsp;31,</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Weighted&nbsp;&nbsp;</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Average&nbsp;&nbsp;</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Expected&nbsp;&nbsp;</B></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><FONT
STYLE="white-space:nowrap">Long-term&nbsp;&nbsp;</FONT></B></P></TD></TR>


<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD COLSPAN="5" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Allocation&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>Rate&nbsp;of&nbsp;Return&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD COLSPAN="4" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Asset category:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash equivalents</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0&nbsp;&#150;&nbsp;20%</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.2%&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.7%&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">0.16%</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Equity securities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#c6dbf2">40&nbsp;&#150;&nbsp;60</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="center">47.2&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="center">48.2&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#c6dbf2">3.97&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fixed income securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">40&nbsp;&#150;&nbsp;60</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">43.9&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">43.1&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">2.01&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other financial instruments</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#c6dbf2">0&nbsp;&#150;&nbsp;5</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="center">3.7</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="center">&nbsp;&nbsp;&nbsp;-</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#c6dbf2">0.28&nbsp;&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Assets are segregated by the level of the valuation inputs within the fair value hierarchy established by ASC
Topic 820 utilized to measure fair value (see Note 18 - Fair Value Measurements).</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In instances in which the inputs used to measure fair
value fall into different levels of the fair value hierarchy, the fair value measurement has been determined based on the lowest level input that is significant to the fair value measurement in its entirety. Investments valued using the NAV (Net
Asset Value) are classified as level 2 if the Plan can redeem its investment with the investee at the NAV at the measurement date.&nbsp;If the Plan can never redeem the investment with the investee at the NAV, it is considered a level 3. If the Plan
can redeem the investment at the NAV at a future date, the Plan&#146;s assessment of the significance of a particular item to the fair value measurement in its entirety requires judgment, including the consideration of inputs specific to the asset.
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 106 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(17.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>EMPLOYEE BENEFIT PLANS (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Plan uses the Thomson Reuters Pricing Service to determine the fair value of equities
excluding commingled pension trust funds, the pricing service of IDC Corporate USA to determine the fair value of fixed income securities excluding commingled pension trust funds and JP Morgan Chase Bank, N.A. (&#147;JPMorgan&#148;) to determine the
fair value of commingled pension trust funds. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following is a table of the pricing methodology and unobservable inputs used by JPMorgan
in pricing commingled pension trust funds (&#147;CPTF&#148;): </P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Principal Valuation</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Technique(s) Used</B></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8pt"><B>Unobservable Inputs</B></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>CPTF - Fixed Income:</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="7" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">CPTF (Corporate High Yield) of JPMorgan</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Market</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">None</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">CPTF (High Yield) of JPMorgan</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Market Comparables Companies</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">EBITDA multiple and discounts for lack of marketability</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">CPTF (Extended Duration) of JPMorgan</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">Market and Income</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Constant prepayment rate, Constant</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">default rate and Yield</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">CPTF (Long Duration Investment Grade) of JPMorgan</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Market</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">None</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">CPTF (Emerging Markets Currency Debt) of JPMorgan</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">Market</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">None</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">CPTF (Emerging Markets - Fixed Income) of JPMorgan</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Market</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">None</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>CPTF &#150; Other:</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="7" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">CPTF (Strategic Property) of JPMorgan</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">Market, Income, Debt Service and Sales Comparison</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">Credit Spreads, Discount Rate, Loan to Value Ratio, Terminal Capitalization Rate and Value per Square Foot</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">When valuing Commingled Pension Trust Funds (Equity) JPMorgan uses a market methodology and does not rely on
unobservable inputs in those valuations. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table sets forth a summary of the changes in the Plan&#146;s level 3 assets for the
year ended December&nbsp;31, 2015: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="87%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Level 3 assets, beginning of year</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Purchases</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,334&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Unrealized gains</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">336&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Level 3 assets, end of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,670&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 107 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(17.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>EMPLOYEE BENEFIT PLANS (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The major categories of Plan assets measured at fair value on a recurring basis as of
December&nbsp;31 are presented in the following tables (in thousands). </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="88%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Level&nbsp;1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Level&nbsp;2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Level&nbsp;3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Inputs</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Inputs</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Inputs</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Fair&nbsp;Value&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2015</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="16" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash equivalents:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Foreign currencies</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">35&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">35&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Short term investment funds</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3,745&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3,745&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total cash equivalents</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">35&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,745&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,780&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Equity securities:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common stock</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13,083&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13,083&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Depository receipts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">336&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">336&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commingled pension trust funds</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10,557&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10,557&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exchange traded funds</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10,190&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10,190&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total equity securities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">23,609&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10,557&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">34,166&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fixed income securities:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collateralized mortgage obligations</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">608&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">608&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commingled pension trust funds</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">17,889&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">17,889&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Corporate bonds</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,439&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,439&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FHLMC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">276&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">276&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FNMA</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,966&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,966&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">GNMA II</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">384&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">384&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Government issues</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,180&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7,180&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total fixed income securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">31,742&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">31,742&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other investments:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commingled pension trust funds &#150; Realty</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2,670&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2,670&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total Plan investments</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">23,644&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">46,044&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,670&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">72,358&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">At December&nbsp;31, 2015, the portfolio was managed by two investment firms, with control of the portfolio
split approximately 58% and 38% under the control of the investment managers with the remaining 4% under the direct control of the Plan.&nbsp;A portfolio concentration in two of the commingled pension trust funds, an exchange traded fund and a short
term investment fund of 11%, 7%, 7% and 5%, respectively, existed at December&nbsp;31, 2015. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 108 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(17.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>EMPLOYEE BENEFIT PLANS (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="88%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Level&nbsp;1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Level&nbsp;2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Level&nbsp;3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Inputs</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Inputs</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Inputs</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Fair&nbsp;Value&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2014</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="16" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash equivalents:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Foreign currencies</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">31&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">31&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Government issues</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">249&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">249&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Short term investment funds</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6,327&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6,327&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total cash equivalents</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,576&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,607&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Equity securities:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,732&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,732&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Depository receipts</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">185&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">185&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commingled pension trust funds</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,802&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,802&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exchange traded funds</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10,573&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10,573&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Preferred stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">140&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">140&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total equity securities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">25,630&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10,802&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">36,432&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fixed income securities:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Auto loan receivable</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">330&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">330&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collateralized mortgage obligations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">682&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">682&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commingled pension trust funds</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">21,083&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">21,083&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Corporate bonds</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,971&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,971&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FHLMC</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">73&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">73&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FNMA</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,951&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,951&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">GNMA II</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">123&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">123&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Government issues</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,139&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,139&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other asset backed securities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">160&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">160&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total fixed income securities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">32,545&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">32,545&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total Plan investments</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">25,661&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">49,923&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">75,584&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">At December&nbsp;31, 2014, the portfolio was managed by two investment firms, with control of the portfolio
split approximately 57% and 39% under the control of the investment managers with the remaining 4% under the direct control of the Plan. A portfolio concentration in two of the commingled pension trust funds and a short term investment fund of 13%,
9% and 8%, respectively, existed at December&nbsp;31, 2014. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Postretirement Benefit Plan </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">An entity acquired by the Company provided health and dental care benefits to retired employees who met specified age and service requirements
through a postretirement health and dental care plan in which both the acquired entity and the retirees shared the cost. The plan provided for substantially the same medical insurance coverage as for active employees until their death and was
integrated with Medicare for those retirees aged 65 or older. In 2001, the plan&#146;s eligibility requirements were amended to curtail eligible benefit payments to only retired employees and active employees who had already met the then-applicable
age and service requirements under the Plan. In 2003, retirees under age 65 began contributing to health coverage at the same cost-sharing level as that of active employees.&nbsp;Retirees ages 65 or older were offered new Medicare supplemental plans
as alternatives to the plan historically offered.&nbsp;The cost sharing of medical coverage was standardized throughout the group of retirees aged 65 or older.&nbsp;In addition, to be consistent with the administration of the Company&#146;s dental
plan for active employees, all retirees who continued dental coverage began paying the full monthly premium.&nbsp;The accrued liability included in other liabilities in the consolidated statements of financial condition related to this plan amounted
to $107 thousand and $124 thousand as of December&nbsp;31, 2015 and 2014, respectively. The postretirement expense for the plan that was included in salaries and employee benefits in the consolidated statements of income was not significant for the
years ended December&nbsp;31, 2015, 2014 and 2013. The plan is not funded. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 109 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(17.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>EMPLOYEE BENEFIT PLANS (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The components of accumulated other comprehensive loss related to the defined benefit plan
and postretirement benefit plan as of December&nbsp;31 are summarized below (in thousands): </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="94%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Defined benefit plan:</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net actuarial loss</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(17,715)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(17,747)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Prior service cost</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(32)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(52)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(17,747)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(17,799)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Postretirement benefit plan:</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net actuarial loss</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(162)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(186)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Prior service credit</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">304&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">372&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">142&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">186&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(17,605)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(17,613)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deferred tax benefit</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,974&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,977&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amounts included in accumulated other comprehensive loss</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(10,631)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(10,636)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="19" COLSPAN="9"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="8"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt">Changes in plan assets and benefit obligations recognized in other comprehensive income on a pre-tax basis during the years ended December&nbsp;31
are as follows (in thousands):</P></TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Defined benefit plan:</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net actuarial (loss) gain</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(894)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(9,669)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amortization of net loss</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">926&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">159&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amortization of prior service cost</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">52&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(9,490)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Postretirement benefit plan:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net actuarial (loss) gain</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">7&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(40)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amortization of net loss</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amortization of prior service credit</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(68)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(68)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(44)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(91)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total recognized in other comprehensive income</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">8&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(9,581)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:16pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">For the year ending December&nbsp;31, 2016, the estimated net loss and prior service credit for the plan that
will be amortized from accumulated other comprehensive income into net periodic benefit cost is $955 thousand and $47 thousand, respectively. </P>
<P STYLE="margin-top:16pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Supplemental Executive Retirement Agreements </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company has non-qualified Supplemental Executive Retirement Agreements (&#147;SERPs&#148;) covering one current and four former
executives.&nbsp;The unfunded pension liability related to the SERPs was $2.3 million and $2.2 million at December&nbsp;31, 2015 and 2014, respectively.&nbsp;SERP expense was $408 thousand, $295 thousand, and $95 thousand for 2015, 2014 and 2013,
respectively. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 110 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(18.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>FAIR VALUE MEASUREMENTS </B></TD></TR></TABLE> <P STYLE="margin-top:16pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Determination of Fair Value &#150; Assets Measured at Fair Value on a
Recurring and Nonrecurring Basis </B></P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Valuation Hierarchy </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The fair value of an asset or liability is the price that would be received to sell that asset or paid to transfer that liability in an orderly
transaction occurring in the principal market (or most advantageous market in the absence of a principal market) for such asset or liability. ASC Topic&nbsp;820, &#147;Fair Value Measurements and Disclosures,&#148; establishes a fair value hierarchy
for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. The fair value hierarchy is as follows: </P>
<P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt"><B>Level 1</B> - Unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access
at the measurement date. </P></TD></TR></TABLE> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt"><B>Level 2</B> - Inputs other than quoted prices included in Level&nbsp;1 that are observable for the asset or liability, either directly or
indirectly. These might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for
the asset or liability (such as interest rates, volatilities, prepayment speeds, credit risks, etc.) or inputs that are derived principally from or corroborated by market data by correlation or other means. </P></TD></TR></TABLE>
<P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt"><B>Level 3</B> - Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity&#146;s own assumptions about
the assumptions that market participants would use in pricing the assets or liabilities. </P></TD></TR></TABLE> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In general, fair value is based
upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon internally developed models that primarily use, as inputs, observable market-based parameters. Valuation adjustments may be made to
ensure that financial instruments are recorded at fair value. These adjustments may include amounts to reflect counterparty credit quality and the company&#146;s creditworthiness, among other things, as well as unobservable parameters. Any such
valuation adjustments are applied consistently over time. The Company&#146;s valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management
believes the Company&#146;s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a
different estimate of fair value at the reporting date. Furthermore, the reported fair value amounts have not been comprehensively revalued since the presentation dates, and therefore, estimates of fair value after the balance sheet date may differ
significantly from the amounts presented herein. A more detailed description of the valuation methodologies used for assets and liabilities measured at fair value, as well as the general classification of such instruments pursuant to the valuation
hierarchy, is set forth below. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Securities available for sale:</B><B>&nbsp;&nbsp;</B>Securities classified as available
for sale are reported at fair value utilizing Level&nbsp;2 inputs. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer
quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond&#146;s terms and conditions, among other things. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Loans held for sale:</B>&nbsp;&nbsp;&nbsp;&nbsp;The fair value of loans held for sale is determined using quoted secondary
market prices and investor commitments. Loans held for sale are classified as Level 2 in the fair value hierarchy. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Collateral dependent impaired loans:</B>&nbsp;&nbsp;Fair value of impaired loans with specific allocations of the allowance
for loan losses is measured based on the value of the collateral securing these loans and is classified as Level 3 in the fair value hierarchy. Collateral may be real estate and/or business assets including equipment, inventory and/or accounts
receivable and collateral value is determined based on appraisals performed by qualified licensed appraisers hired by the Company. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and
the income approach. Appraised and reported values may be discounted based on management&#146;s historical knowledge, changes in market conditions from the time of valuation, and/or management&#146;s expertise and knowledge of the client and the
client&#146;s business. Such discounts are typically significant and result in a Level 3 classification of the inputs for determining fair value. Impaired loans are reviewed and evaluated on at least a quarterly basis for additional impairment and
adjusted accordingly, based on the same factors identified above. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 111 - </P>


<p Style='page-break-before:always'>
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<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(18.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>FAIR VALUE MEASUREMENTS (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Loan servicing rights:</B><B>&nbsp;&nbsp;</B>Loan servicing rights do not
trade in an active market with readily observable market data. As a result, the Company estimates the fair value of loan servicing rights by using a discounted cash flow model to calculate the present value of estimated future net servicing
income.&nbsp;The assumptions used in the discounted cash flow model are those that we believe market participants would use in estimating future net servicing income, including estimates of loan prepayment rates, servicing costs, ancillary income,
impound account balances, and discount rates.&nbsp;The significant unobservable inputs used in the fair value measurement of the Company&#146;s loan servicing rights are the constant prepayment rates and weighted average discount rate. Significant
increases (decreases) in any of those inputs in isolation could result in a significantly lower (higher) fair value measurement. Although the constant prepayment rate and the discount rate are not directly interrelated, they will generally move in
opposite directions. Loan servicing rights are classified as Level 3 measurements due to the use of significant unobservable inputs, as well as significant management judgment and estimation. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Other real estate owned (Foreclosed assets):</B>&nbsp;&nbsp;Nonrecurring adjustments to certain commercial and residential
real estate properties classified as other real estate owned are measured at the lower of carrying amount or fair value, less costs to sell.&nbsp;Fair values are generally based on third party appraisals of the property, resulting in a Level 3
classification.&nbsp;The appraisals are sometimes further discounted based on management&#146;s historical knowledge, changes in market conditions from the time of valuation, and/or management&#146;s expertise and knowledge of the client and
client&#146;s business. Such discounts are typically significant and result in a Level 3 classification of the inputs for determining fair value. In cases where the carrying amount exceeds the fair value, less costs to sell, an impairment loss is
recognized. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; margin-left:4%; margin-right:2%; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Commitments to extend credit and letters of credit:</B><B>&nbsp;&nbsp;</B>Commitments to
extend credit and fund letters of credit are principally at current interest rates, and, therefore, the carrying amount approximates fair value.&nbsp;The fair value of commitments is not material. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 112 - </P>


<p Style='page-break-before:always'>
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<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(18.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>FAIR VALUE MEASUREMENTS (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Assets Measured at Fair Value </B></P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table presents for each of the fair-value hierarchy levels the Company&#146;s assets that are measured at fair value on a
recurring and non-recurring basis as of December&nbsp;31 (in thousands): </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="88%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>&nbsp;&nbsp;Quoted&nbsp;Prices&nbsp;&nbsp;</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>in&nbsp;Active</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Markets&nbsp;for</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Identical</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Assets&nbsp;or</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Liabilities</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Significant</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Other</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>&nbsp;&nbsp;&nbsp;Observable&nbsp;&nbsp;&nbsp;</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Inputs</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Significant</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>&nbsp;Unobservable&nbsp;</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Inputs</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>(Level&nbsp;1)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>(Level&nbsp;2)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>(Level&nbsp;3)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2015</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="16" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Measured on a recurring basis:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities available for sale:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">U.S. Government agencies and government sponsored enterprises</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">260,863&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">260,863&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">283,314&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">283,314&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Asset-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">218&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">218&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">544,395&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">544,395&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Measured on a nonrecurring basis:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,430&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,430&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collateral dependent impaired loans</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,485&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,485&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other assets:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loan servicing rights</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,241&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,241&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other real estate owned</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">163&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">163&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,430&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,889&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,319&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2014</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="16" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Measured on a recurring basis:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities available for sale:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">U.S. Government agencies and government sponsored enterprises</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">160,475&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">160,475&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">461,788&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">461,788&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Asset-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">231&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">231&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">622,494&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">622,494&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Measured on a nonrecurring basis:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">755&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">755&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collateral dependent impaired loans</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,652&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,652&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other assets:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loan servicing rights</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,359&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,359&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other real estate owned</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">194&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">194&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">755&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,205&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,960&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">There were no transfers between Levels 1 and 2 during the years ended December&nbsp;31, 2015 and
2014.&nbsp;There were no liabilities measured at fair value on a recurring or nonrecurring basis during the years ended December&nbsp;31, 2015 and 2014. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 113 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(18.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>FAIR VALUE MEASUREMENTS (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table presents additional quantitative information about assets measured at
fair value on a recurring and nonrecurring basis for which the Company has utilized Level 3 inputs to determine fair value (dollars in thousands). </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Asset</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair</B><br><B>&nbsp;&nbsp;&nbsp;&nbsp;Value&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Valuation</B><br><B>Technique</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Unobservable&nbsp;Input</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Unobservable&nbsp;Input&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>Value&nbsp;or&nbsp;Range</B></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collateral dependent impaired loans</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">&nbsp;&nbsp;1,485&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">Appraisal&nbsp;of&nbsp;collateral&nbsp;<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;Appraisal&nbsp;adjustments&nbsp;<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#c6dbf2">0%&nbsp;-&nbsp;100%&nbsp;discount</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loan servicing rights</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,241&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">Discounted cash flow</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;Discount&nbsp;rate</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#c6dbf2">&nbsp;&nbsp;5.0%<SUP STYLE="font-size:85%; vertical-align:top">&nbsp;(3)</SUP></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;Constant&nbsp;prepayment&nbsp;rate</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#c6dbf2">12.4%<SUP STYLE="font-size:85%; vertical-align:top">&nbsp;(3)</SUP></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other real estate owned</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">163&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">Appraisal&nbsp;of&nbsp;collateral&nbsp;<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;Appraisal adjustments&nbsp;<SUP STYLE="font-size:85%; vertical-align:top">(2) </SUP></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#c6dbf2">9%&nbsp;-&nbsp;58%&nbsp;discount</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:3%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>Fair value is generally determined through independent appraisals of the underlying
collateral, which generally include various Level&nbsp;3 inputs which are not identifiable. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>Appraisals may be adjusted by management for qualitative factors such as economic conditions
and estimated liquidation expenses. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>Weighted averages. </P></TD></TR></TABLE>
<P STYLE="margin-top:20pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Changes in Level 3 Fair Value Measurements </B></P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">There were no assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) as of or during the years
ended December&nbsp;31, 2015 and 2014. </P> <P STYLE="margin-top:20pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Disclosures about Fair Value of Financial Instruments </B></P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The assumptions used below are expected to approximate those that market participants would use in valuing these financial instruments. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Fair value estimates are made at a specific point in time, based on available market information and judgments about the financial instrument,
including estimates of timing, amount of expected future cash flows and the credit standing of the issuer.&nbsp;Such estimates do not consider the tax impact of the realization of unrealized gains or losses. In some cases, the fair value estimates
cannot be substantiated by comparison to independent markets.&nbsp;In addition, the disclosed fair value may not be realized in the immediate settlement of the financial instrument.&nbsp;Care should be exercised in deriving conclusions about our
business, its value or financial position based on the fair value information of financial instruments presented below. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The estimated
fair value approximates carrying value for cash and cash equivalents, FHLB and<B><I> </I></B>FRB stock, accrued interest receivable, non-maturity deposits, short-term borrowings and accrued interest payable.&nbsp;Fair value estimates for other
financial instruments not included elsewhere in this disclosure are discussed below. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Securities held to
maturity:</B><B>&nbsp;&nbsp;</B>The fair value of the Company&#146;s investment securities held to maturity is primarily measured using information from a third-party pricing service. The fair value measurements consider observable data that may
include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond&#146;s terms and conditions, among other things. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Loans:</B><B>&nbsp;&nbsp;&nbsp;&nbsp;</B>The fair value of the Company&#146;s loans was estimated by discounting the
expected future cash flows using the current interest rates at which similar loans would be made for the same remaining maturities. Loans were first segregated by type such as commercial, residential mortgage, and consumer, and were then further
segmented into fixed and variable rate and loan quality categories. Expected future cash flows were projected based on contractual cash flows, adjusted for estimated prepayments. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Time deposits:</B><B>&nbsp;&nbsp;</B>The fair value of time deposits was estimated using a discounted cash flow approach
that applies prevailing market interest rates for similar maturity instruments.&nbsp;The fair values of the Company&#146;s time deposit liabilities do not take into consideration the value of the Company&#146;s long-term relationships with
depositors, which may have significant value. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Long-term borrowings:</B><B>&nbsp;&nbsp;</B>Long-term borrowings consist
of $40 million of subordinated notes issued during the second quarter of 2015.&nbsp;The subordinated notes are publicly traded and are valued based on market prices, which are characterized as Level&nbsp;2 liabilities in the fair value hierarchy.
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 114 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(18.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>FAIR VALUE MEASUREMENTS (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following presents the carrying amount, estimated fair value, and placement in the fair
value measurement hierarchy of the Company&#146;s financial instruments as of December&nbsp;31 (in thousands): </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="86%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>Level&nbsp;in</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>Fair Value</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>&nbsp;&nbsp;&nbsp;&nbsp;Estimated&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>&nbsp;&nbsp;&nbsp;&nbsp;Estimated&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Measurement&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Carrying&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Carrying&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Hierarchy</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Financial assets:</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash and cash equivalents</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Level&nbsp;1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">60,121&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">60,121&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">58,151&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">58,151&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities available for sale</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#c6dbf2">Level&nbsp;2</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">544,395&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">544,395&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">622,494&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">622,494&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities held to maturity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Level 2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">485,717&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">490,064&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">294,438&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">298,695&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans held for sale</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#c6dbf2">Level 2</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,430&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,430&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">755&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">755&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Level 2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;2,055,192&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;2,046,235&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;1,881,713&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;1,887,959&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans <SUP STYLE="font-size:85%; vertical-align:top">(1) </SUP></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#c6dbf2">Level 3</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,485&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,485&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,652&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,652&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accrued interest receivable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Level 1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,609&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,609&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,104&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,104&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FHLB and FRB stock</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#c6dbf2">Level 2</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">19,991&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">19,991&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">19,014&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">19,014&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Financial liabilities:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Non-maturity deposits</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#c6dbf2">Level 1</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,093,513&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,093,513&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,857,285&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,857,285&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Time deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Level 2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">637,018&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">636,159&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">593,242&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">593,793&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Short-term borrowings</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#c6dbf2">Level 1</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">293,100&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">293,100&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">334,804&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">334,804&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Long-term borrowings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Level 2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38,990&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,313&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accrued interest payable</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#c6dbf2">Level 1</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,676&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,676&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,862&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,862&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:3%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>Comprised of collateral dependent impaired loans. </P></TD></TR></TABLE>
<P STYLE="font-size:26pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(19.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>PARENT COMPANY FINANCIAL INFORMATION </B></TD></TR></TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Condensed financial statements pertaining only to
the Parent are presented below (in thousands). </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="94%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><B>Condensed Statements of Condition</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2014&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Assets:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash and due from subsidiary</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">15,787&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">9,559&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment in and receivables due from subsidiary</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">318,928&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">273,237&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,451&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,433&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B></B>Total assets</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">339,166&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">286,229&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Liabilities and shareholders&#146; equity:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Long-term borrowings, net of issuance costs of $1,010</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">38,990&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,332&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,697&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Shareholders&#146; equity</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">293,844&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">279,532&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities and shareholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;339,166&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;286,229&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 115 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(19.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>PARENT COMPANY FINANCIAL INFORMATION (Continued) </B></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="85%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><B>Condensed Statements of Income</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="11" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Years&nbsp;ended&nbsp;December&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD></TR>


<TR BGCOLOR="#ffffff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Dividends from subsidiary and associated companies</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">16,000</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">20,920</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">15,000</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Management and service fees from subsidiary</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">599</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">417</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">368</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other income</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,175</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">74</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">71</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,774</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,411</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,439</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest expense</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,750</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Operating expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,509</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,437</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,906</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total expense</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">5,259</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,437</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,906</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income before income tax benefit and equity in undistributed<BR>earnings of subsidiary</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,515</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,974</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,533</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income tax benefit</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,814</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,120</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,020</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income before equity in undistributed earnings of subsidiary</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,329</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,094</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,553</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Equity in undistributed earnings of subsidiary</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">14,008</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">10,261</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">11,977</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">28,337</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">29,355</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">25,530</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="54"></TD>
<TD HEIGHT="54" COLSPAN="12"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"><B>Condensed Statements of Cash Flows</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="11" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Years ended December&nbsp;31,</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash flows from operating activities:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">28,337</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">29,355</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">25,530</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Adjustments to reconcile net income to net cash provided<BR>by operating activities:</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Equity in undistributed earnings of subsidiary</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(14,008</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(10,261</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(11,977</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Depreciation and amortization</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">97</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">48</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">47</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Share-based compensation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">674</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">471</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">407</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">(Increase) decrease in other assets</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,069</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">5,661</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">166</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Decrease in other liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(258</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5,717</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(17</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net cash provided by operating activities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">13,773</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">19,557</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">14,156</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash flows from investing activities:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Capital investment in Five Star Bank</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(34,000</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net cash paid for acquisition</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(7,995</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net cash used in investing activities</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(34,000</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(7,995</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash flows from financing activities:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Issuance of long-term debt, net of issuance costs</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">38,940</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Purchase of preferred and common shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(202</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(196</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(360</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from stock options exercised</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">359</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">667</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">448</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Dividends paid</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(12,721</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(11,984</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(11,218</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">79</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(118</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net cash provided by (used in) financing activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,455</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(11,513</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(11,248</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net increase in cash and cash equivalents</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6,228</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">49</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,908</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash and cash equivalents as of beginning of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,559</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,510</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,602</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash and cash equivalents as of end of the year</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">15,787</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9,559</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">9,510</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 116 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>December 31, 2015, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(20.)</B></TD>
<TD ALIGN="left" VALIGN="top"><B>SEGMENT REPORTING </B></TD></TR></TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Company has two reportable operating segments, banking and
insurance, which are delineated by the consolidated subsidiaries of Financial Institutions, Inc. The banking segment includes all of the Company&#146;s retail and commercial banking operations. The insurance segment includes the activities of SDN, a
full service insurance agency that provides a broad range of insurance services to both personal and business clients. The Company operated as one business segment until the acquisition of SDN on August&nbsp;1, 2014, at which time the new
&#147;Insurance&#148; segment was created for financial reporting purposes. Holding company amounts are the primary differences between segment amounts and consolidated totals, and are reflected in the Holding Company and Other column below, along
with amounts to eliminate balances and transactions between segments. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following tables present information regarding the
Company&#146;s business segments as of and for the periods indicated (in thousands). </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Banking&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Insurance&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Holding<BR>&nbsp;Company&nbsp;and&nbsp;<BR>Other</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Consolidated&nbsp;&nbsp;<BR>Totals</B></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>December&nbsp;31, 2015</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Goodwill</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">48,536</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">11,866</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">60,402</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other intangible assets, net</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">829</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">5,715</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">6,544</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,356,987</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,315</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,722</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,381,024</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>December&nbsp;31, 2014</B></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Goodwill</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">48,536</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">12,617</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">61,153</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other intangible assets, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,125</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,361</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,486</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,065,109</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">20,368</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">4,044</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">3,089,521</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="40"></TD>
<TD HEIGHT="40" COLSPAN="4"></TD>
<TD HEIGHT="40" COLSPAN="4"></TD>
<TD HEIGHT="40" COLSPAN="4"></TD>
<TD HEIGHT="40" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Banking</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Insurance</B><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP><B></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Holding<BR>Company and<BR>Other</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Consolidated<BR>Totals</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Year ended December&nbsp;31, 2015</B></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#c6dbf2">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net interest income (expense)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">97,063</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(1,750</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">95,313</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for loan losses</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(7,381</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(7,381</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,734</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,969</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">634</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,337</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest expense <SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(71,599</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(5,426</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(2,368</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(79,393</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income (loss) before income taxes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,817</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(457</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,484</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38,876</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income tax (expense) benefit</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(12,230</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(121</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">1,812</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(10,539</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">30,587</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(578</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(1,672</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">28,337</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Year ended December&nbsp;31, 2014</B></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net interest income</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">93,774</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">93,774</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(7,789</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(7,789</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest income</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">23,602</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">2,073</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(325</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">25,350</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(67,857</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,877</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,621</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(72,355</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income (loss) before income taxes</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">41,730</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">196</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(2,946</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">38,980</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income tax (expense) benefit</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(10,735</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,119</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9,625</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income (loss)</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">30,995</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">187</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">(1,827</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">)&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;$</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2" ALIGN="right">29,355</TD>
<TD NOWRAP VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:3%">&nbsp;</P> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>Reflects activity from SDN since August&nbsp;1, 2014, the date of acquisition.
</P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>Insurance segment includes goodwill impairment of $751 thousand. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 117 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; margin-left:9%; text-indent:-9%; font-size:10pt; font-family:Times New Roman"><B><A NAME="toc120623_14"></A>ITEM&nbsp;9. &nbsp;&nbsp;CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND
FINANCIAL DISCLOSURE </B></P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">None. </P>
<P STYLE="font-size:16pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; margin-left:9%; text-indent:-9%; font-size:10pt; font-family:Times New Roman"><B><A NAME="toc120623_15"></A>ITEM&nbsp;9A. &nbsp;&nbsp;CONTROLS AND PROCEDURES </B></P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Effectiveness of Controls and Procedures </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">As of the end of the period covered by this report, the Company carried out an evaluation, under the supervision and with the participation of
the Company&#146;s management, including the Company&#146;s Chief Executive Officer (Principal Executive Officer) and Chief Financial Officer (Principal Accounting Officer), of the effectiveness of the design and operation of the Company&#146;s
disclosure controls and procedures pursuant to Rule 13a-15(b), as adopted by the Securities and Exchange Commission (&#147;SEC&#148;) under the Securities Exchange Act of 1934 (&#147;Exchange Act&#148;). Based upon that evaluation, the Chief
Executive Officer and Chief Financial Officer concluded that the Company&#146;s disclosure controls and procedures were effective as of the end of the period covered by this Annual Report on Form 10-K. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Disclosure controls and procedures are the controls and other procedures that are designed to ensure that information required to be disclosed
in the reports that the Company files or submits under the Exchange Act is recorded, processed, summarized and reported within the time periods specified in the SEC&#146;s rules and forms. Disclosure controls and procedures include, without
limitation, controls and procedures designed to ensure that information required to be disclosed in the reports that the Company files or submits under the Exchange Act is accumulated and communicated to management, including the Chief Executive
Officer and Chief Financial Officer, as appropriate, to allow timely decisions regarding required disclosure. </P> <P STYLE="margin-top:16pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Management Report on
Internal Control over Financial Reporting and Attestation Report of Independent Registered Public Accounting Firm </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Management of the
Company is responsible for establishing and maintaining adequate internal control over financial reporting. Management assessed the Company&#146;s internal control over financial reporting based on criteria established in the <I>Internal
Control&#151;Integrated Framework (2013)</I> issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO). Based on this assessment, management has concluded that, as of December&nbsp;31, 2015, the Company maintained
effective internal control over financial reporting. Management&#146;s Report on Internal Control over Financial Reporting is included under Item 8 &#147;Financial Statements and Supplementary Data&#148; in Part II of this Form 10-K. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">KPMG LLP, an independent registered public accounting firm, has audited the consolidated financial statements included in this Annual Report on
Form 10-K, and has issued an attestation report on the effectiveness of the Company&#146;s internal control over financial reporting. The Report of Independent Registered Public Accounting Firm that attests the effectiveness of internal control over
financial reporting is included under Item 8 &#147;Financial Statements and Supplementary Data&#148; in Part II of this Form 10-K. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Changes in Internal
Control over Financial Reporting </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">There were no changes in the Company&#146;s internal control over financial reporting that occurred
during the quarter ended December&nbsp;31, 2015 that have materially affected, or are reasonably likely to materially affect, the Company&#146;s internal control over financial reporting. </P>
<P STYLE="font-size:16pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><B><A NAME="toc120623_16"></A>ITEM&nbsp;9B.</B></TD>
<TD ALIGN="left" VALIGN="top"><B>&nbsp;&nbsp;OTHER INFORMATION </B></TD></TR></TABLE> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Not applicable. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 118 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc120623_17"></A>PART III </B></P>
<P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; margin-left:9%; text-indent:-9%; font-size:10pt; font-family:Times New Roman"><B><A NAME="toc120623_18"></A>ITEM&nbsp;10. &nbsp;&nbsp;DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE </B></P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In response to this Item, the
information set forth in the Company&#146;s Proxy Statement for its 2016 Annual Meeting of Shareholders (the &#147;2016 Proxy Statement&#148;) to be filed within 120 days following the end of the Company&#146;s fiscal year, under the headings
&#147;Proposal&nbsp;1&nbsp;- Election of Directors,&#148; &#147;Business Experience and Qualification of Directors,&#148; &#147;Our Executive Officers,&#148; and &#147;Section 16(a) Beneficial Ownership Reporting Compliance&#148; is incorporated
herein by reference. </P> <P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Information concerning the Company&#146;s Audit Committee and the Audit Committee&#146;s financial expert is set
forth under the caption &#147;Board Meetings and Committees&#148; in the 2016 Proxy Statement and is incorporated herein by reference. </P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Information concerning the Company&#146;s Code of Business Conduct and Ethics is set forth under the caption &#147;Code of Ethics&#148; in the
2016 Proxy Statement and is incorporated herein by reference. </P> <P STYLE="font-size:16pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; margin-left:9%; text-indent:-9%; font-size:10pt; font-family:Times New Roman"><B><A NAME="toc120623_19"></A>ITEM&nbsp;11. &nbsp;&nbsp;EXECUTIVE COMPENSATION </B></P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In response to this Item, the
information set forth in the 2016 Proxy Statement under the headings &#147;Compensation Discussion and Analysis,&#148; &#147;Executive Compensation Tables,&#148; &#147;Management Development and Compensation Committee Interlocks and Insider
Participation,&#148; &#147;Director Compensation,&#148; and &#147;Management Development and Compensation Committee Report&#148; is incorporated herein by reference. </P> <P STYLE="font-size:16pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;
</P> <P STYLE="margin-top:2pt; margin-bottom:0pt; margin-left:9%; text-indent:-9%; font-size:10pt; font-family:Times New Roman"><B><A NAME="toc120623_20"></A>ITEM&nbsp;12. &nbsp;&nbsp;SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND
RELATED STOCKHOLDER MATTERS </B></P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In response to this Item, the information set forth in the 2016 Proxy Statement under the heading &#147;Security Ownership of Certain
Beneficial Owners and Management&#148; is incorporated herein by reference. </P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Equity Compensation Plan Information </B></P>
<P STYLE="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following table sets forth, as of December&nbsp;31, 2015, information about our equity compensation plans that have been approved by our
shareholders, including the number of shares of our common stock exercisable under all outstanding options, warrants and rights, the weighted average exercise price of all outstanding options, warrants and rights and the number of shares available
for future issuance under our equity compensation plans.&nbsp;We have no equity compensation plans that have not been approved by our shareholders. </P> <P STYLE="font-size:14pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>
<TD WIDTH="90%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>&nbsp;&nbsp;Number&nbsp;of&nbsp;securities&nbsp;to&nbsp;&nbsp;<BR>be&nbsp;issued&nbsp;upon&nbsp;exercise<BR>of&nbsp;outstanding&nbsp;options,<BR>warrants&nbsp;and&nbsp;rights</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>&nbsp;&nbsp;Weighted&nbsp;average&nbsp;&nbsp;<BR>exercise&nbsp;price<BR>of&nbsp;outstanding<BR>options,&nbsp;warrants<BR>and&nbsp;rights</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>&nbsp;&nbsp;&nbsp;Number&nbsp;of&nbsp;securities&nbsp;&nbsp;&nbsp;<BR>&nbsp;&nbsp;&nbsp;remaining&nbsp;for&nbsp;future&nbsp;&nbsp;&nbsp;<BR>&nbsp;&nbsp;&nbsp;issuance&nbsp;under&nbsp;equity&nbsp;&nbsp;&nbsp;
<BR>&nbsp;&nbsp;&nbsp;compensation&nbsp;plans&nbsp;&nbsp;&nbsp;<BR>&nbsp;&nbsp;&nbsp;(excluding&nbsp;securities&nbsp;&nbsp;&nbsp;<BR>&nbsp;&nbsp;&nbsp;reflected&nbsp;in&nbsp;column&nbsp;(a))&nbsp;&nbsp;&nbsp;</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><B>Plan Category</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><B>(a)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><B>(b)</B></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><B>(c)</B></TD></TR>


<TR BGCOLOR="#c6dbf2" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Equity compensation plans approved by shareholders</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">102,249</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19.21&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">424,144</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Equity compensation plans not approved by shareholders</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">-</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">-</TD></TR>
</TABLE> <P STYLE="font-size:16pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; margin-left:9%; text-indent:-9%; font-size:10pt; font-family:Times New Roman"><B><A NAME="toc120623_21"></A>ITEM&nbsp;13. &nbsp;&nbsp;CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR
INDEPENDENCE </B></P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:16pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In response to
this Item, the information set forth in the 2016 Proxy Statement under the headings &#147;Certain Relationships and Related Transactions&#148; and &#147;Board Independence&#148; is incorporated herein by reference. </P>
<P STYLE="font-size:16pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; margin-left:9%; text-indent:-9%; font-size:10pt; font-family:Times New Roman"><B><A NAME="toc120623_22"></A>ITEM&nbsp;14. &nbsp;&nbsp;PRINCIPAL ACCOUNTING FEES AND SERVICES </B></P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In response to this Item, the
information set forth in the 2016 Proxy Statement under the heading &#147;Independent Registered Public Accounting Firm&#148; is incorporated herein by reference. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 119 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc120623_23"></A>PART IV </B></P>
<P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; margin-left:9%; text-indent:-9%; font-size:10pt; font-family:Times New Roman"><B><A NAME="toc120623_24"></A>ITEM&nbsp;15. &nbsp;&nbsp;EXHIBITS AND FINANCIAL STATEMENT SCHEDULES </B></P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt"><B>FINANCIAL STATEMENTS</B> </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:7%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Reference is made to the Index to Consolidated Financial Statements of Financial Institutions, Inc. and subsidiaries under Item
8 &#147;Financial Statements and Supplementary Data&#148; in Part II of this Annual Report on Form 10-K. </P> <P STYLE="font-size:14pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify" STYLE="font-family:Times New Roman; font-size:10pt"><B>EXHIBITS</B> </P></TD></TR></TABLE>
<P STYLE="margin-top:8pt; margin-bottom:0pt; margin-left:7%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The following is a list of all exhibits filed or incorporated by reference as part of this Report. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="95%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="11%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="38%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Exhibit</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00pt solid #000000; width:35.55pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Number</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="border-bottom:1.00pt solid #000000; width:49.50pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Description</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="border-bottom:1.00pt solid #000000; width:37.80pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Location</B></P></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:4pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">&nbsp;3.1</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">Amended and Restated Certificate of Incorporation of the Company</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibits 3.1, 3.2 and 3.3 of the Form 10-K for the year ended December&nbsp;31, 2008, dated
March&nbsp;12, 2009</P> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;3.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Amended and Restated Bylaws of the Company</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 3.4 of the Form 10-K for the year ended December&nbsp;31, 2008, dated March&nbsp;12, 2009</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">&nbsp;4.1</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Subordinated Indenture, dated as of April 15, 2015, between Financial Institutions, Inc. and Wilmington Trust, National
Association, as Trustee</P> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">Incorporated by reference to Exhibit 4.1 of the Form 8-K, dated April&nbsp;15, 2015</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;4.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">First Supplemental Indenture, dated as of April 15, 2015, between Financial Institutions, Inc. and Wilmington Trust, National Association, as
Trustee</P> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Incorporated by reference to Exhibit 4.2 of the Form 8-K, dated April&nbsp;15, 2015</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">&nbsp;4.3</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Form of Global Note to represent the 6.00% Fixed-to-Floating Rate Subordinated Notes due April 15, 2030</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">Incorporated by reference to Exhibit A of Exhibit 4.2 of the Form 8-K, dated April&nbsp;15, 2015</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;10.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">1999 Management Stock Incentive Plan</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.1 of the <FONT STYLE="white-space:nowrap">S-1</FONT> Registration Statement</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">&nbsp;10.2</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">Amendment Number One to the 1999 Management Stock Incentive Plan</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.1 of the Form 8-K, dated July&nbsp;28, 2006</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;10.3</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Form of Non-Qualified Stock Option Agreement Pursuant to the 1999 Management Stock Incentive Plan</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.2 of the Form 8-K, dated July&nbsp;28, 2006</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">&nbsp;10.4</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">1999 Directors Stock Incentive Plan</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.2 of the <FONT STYLE="white-space:nowrap">S-1</FONT> Registration Statement</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;10.5</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Amendment to the 1999 Director Stock Incentive Plan</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.7 of the Form 10-K for the year ended December&nbsp;31, 2008, dated March&nbsp;12, 2009</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">&nbsp;10.6</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">2009 Management Stock Incentive Plan</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.8 of the Form 10-Q for the quarterly period ended June&nbsp;30, 2009, dated August
5, 2009</P> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;10.7</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">2009 Directors&#146; Stock Incentive Plan</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.9 of the Form 10-Q for the quarterly period ended June&nbsp;30, 2009, dated August 5, 2009</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">&nbsp;10.8</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Form of Restricted Stock Award Agreement Pursuant to the 2009 Management Stock Incentive Plan (LTIP Award)</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.2 of the Form 8-K, dated March&nbsp;1, 2010</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;10.9</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of &#147;Service Based&#148; Restricted Stock Award Agreement Pursuant to the 2009 Management Stock Incentive Plan</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.12 of the Form 10-K for the year ended December&nbsp;31, 2011, dated March 9, 2012</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR></TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 120 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

<DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="95%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="11%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="38%"></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Exhibit</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00pt solid #000000; width:35.55pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Number</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="border-bottom:1.00pt solid #000000; width:49.50pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Description</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="border-bottom:1.00pt solid #000000; width:37.80pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Location</B></P></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:4pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">&nbsp;10.10</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">Form of 2013 Performance Program Master Agreement</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.16 of the Form 10-K for the year ended December&nbsp;31, 2012, dated March&nbsp;18,
2013</P> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;10.11</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of 2013 Performance Program Award Certificate</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.17 of the Form 10-K for the year ended December&nbsp;31, 2012, dated March&nbsp;18, 2013</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">&nbsp;10.12</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Amended and Restated Executive Agreement between Financial Institutions, Inc. and Martin K. Birmingham</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">Incorporated by reference to Exhibit 10.1 of the Form 8-K, dated May&nbsp;23, 2013</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;10.13</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Executive Agreement between Financial Institutions, Inc. and Kevin B. Klotzbach</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.2 of the Form 8-K, dated May&nbsp;23, 2013</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">&nbsp;10.14</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">Executive Agreement between Financial Institutions, Inc. and Richard J. Harrison</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.3 of the Form 8-K, dated May&nbsp;23, 2013</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;10.15</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Executive Agreement between Financial Institutions, Inc. and Ronald Mitchell McLaughlin</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.4 of the Form 8-K, dated July 5, 2012</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">&nbsp;10.16</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">Executive Agreement between Financial Institutions, Inc. and Kenneth V. Winn</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.5 of the Form 8-K, dated July 5, 2012</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;10.17</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Voluntary Retirement Agreement with Ronald A. Miller</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.2 of the Form 8-K, dated September&nbsp;26, 2008</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">&nbsp;10.18</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">Amendment to Voluntary Retirement Agreement with Ronald A. Miller</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.1 of the Form 8-K, dated March&nbsp;3, 2010</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;10.19</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Supplemental Executive Retirement Agreement between Financial Institutions, Inc. and Peter G. Humphrey</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.3 of the Form 10-Q for the quarterly period ended September&nbsp;30, 2012, dated November 6, 2012</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">&nbsp;10.20</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">Supplemental Executive Retirement Agreement between Financial Institutions, Inc. and Richard J. Harrison</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.1 of the Form 10-Q for the quarterly period ended June&nbsp;30, 2014, dated August
5, 2014</P> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;10.21</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Separation and release agreement between Financial Institutions, Inc. and Kenneth V. Winn</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.1 of the Form 10-Q for the quarterly period ended September&nbsp;30, 2014, dated November 4, 2014</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">&nbsp;10.22</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">Financial Institutions, Inc. 2015 Long-Term Incentive Plan</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.1 of the Form 10-Q for the quarterly period ended June&nbsp;30, 2015, dated August
5, 2015</P> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;10.23</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Director Annual Restricted Stock Award Agreement Pursuant to the Financial Institutions, Inc. 2015 Long-Term Incentive Plan</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.2 of the Form 10-Q for the quarterly period ended June&nbsp;30, 2015, dated August 5, 2015</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">&nbsp;10.24</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">Form of Director &#147;In Lieu of Cash Fees&#148; Stock Award Agreement Pursuant to the Financial Institutions, Inc. 2015 Long-Term Incentive Plan</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.3 of the Form 10-Q for the quarterly period ended June&nbsp;30, 2015, dated August
5, 2015</P> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;10.25</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Restricted Stock Award Agreement Pursuant to the Financial Institutions, Inc. 2015 Long-Term Incentive Plan</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.4 of the Form 10-Q for the quarterly period ended June&nbsp;30, 2015, dated August 5, 2015</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">&nbsp;10.26</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">Form of Performance Stock Award Agreement Pursuant to the Financial Institutions, Inc. 2015 Long-Term Incentive Plan</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.5 of the Form 10-Q for the quarterly period ended June&nbsp;30, 2015, dated August
5, 2015</P> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;10.27</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Restricted Stock Unit Award Agreement Pursuant to the Financial Institutions, Inc. 2015 Long-Term Incentive Plan</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Incorporated by reference to Exhibit 10.6 of the Form 10-Q for the quarterly period ended June&nbsp;30, 2015, dated August 5, 2015</TD></TR></TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 121 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

<DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="95%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="11%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="38%"></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Exhibit</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00pt solid #000000; width:35.55pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Number</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="border-bottom:1.00pt solid #000000; width:49.50pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Description</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="border-bottom:1.00pt solid #000000; width:37.80pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Location</B></P></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:4pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">&nbsp;10.28</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">Form of Performance Stock Unit Award Agreement Pursuant to the Financial Institutions, Inc. 2015 Long-Term Incentive Plan</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Incorporated by reference to Exhibit 10.7 of the Form 10-Q for the quarterly period ended June&nbsp;30, 2015, dated August
5, 2015</P> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;21</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Subsidiaries of Financial Institutions, Inc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Filed Herewith</P> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">&nbsp;23</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">Consent of Independent Registered Public Accounting Firm</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Filed Herewith</P> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;31.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 - Principal Executive Officer</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Filed Herewith</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">&nbsp;31.2</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 - Principal Financial Officer</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2">Filed Herewith</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;32</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Certification pursuant to18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Filed Herewith</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">&nbsp;101.INS</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">XBRL Instance Document</P> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;101.SCH</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">XBRL Taxonomy Extension Schema Document</P> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">&nbsp;101.CAL</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">XBRL Taxonomy Extension Calculation Linkbase Document</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;101.LAB</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">XBRL Taxonomy Extension Label Linkbase Document</P> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#c6dbf2">&nbsp;101.PRE</TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">XBRL Taxonomy Extension Presentation Linkbase Document</P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom" BGCOLOR="#c6dbf2">&nbsp;&nbsp;</TD>
<TD VALIGN="top" BGCOLOR="#c6dbf2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;101.DEF</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">XBRL Taxonomy Extension Definition Linkbase Document</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:20pt; margin-bottom:0pt; margin-left:5%; font-size:10pt; font-family:Times New Roman">&nbsp;All material agreements consist of management contracts, compensatory plans or arrangements. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 122 - </P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U><A NAME="toc120623_25"></A>SIGNATURES </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Pursuant to the requirements of Section 13 or 15(d) of the Exchange Act, the registrant caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="28%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="43%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="15%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><B>FINANCIAL INSTITUTIONS, INC.</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="19"></TD>
<TD HEIGHT="19" COLSPAN="2"></TD>
<TD HEIGHT="19" COLSPAN="2"></TD>
<TD HEIGHT="19" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">March 8, 2016</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman"><B><I>/s/ Martin K. Birmingham</I></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Martin K. Birmingham</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">President and Chief Executive Officer</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following
persons on behalf of the registrant and in the capacities and on the dates indicated. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="96%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="46%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="15%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Signatures</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Title</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Date</B></P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman"><B><I>/s/ Martin K. Birmingham</I></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director, President and Chief Executive Officer</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">March 8, 2016</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Martin K. Birmingham</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">(Principal Executive Officer)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman"><B><I>/s/ Kevin B. Klotzbach</I></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Executive Vice President and Chief Financial Officer</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">March 8, 2016</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Kevin B. Klotzbach</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">(Principal Financial Officer)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman"><B><I>/s/ Michael D. Grover</I></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Senior Vice President and Chief Accounting Officer</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">March 8, 2016</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Michael D. Grover</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">(Principal Accounting Officer)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman"><B><I>/s/ Karl V. Anderson, Jr.</I></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">March 8, 2016</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Karl V. Anderson, Jr.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman"><B><I>/s/ John E. Benjamin</I></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">March 8, 2016</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">John E. Benjamin</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman"><B><I>/s/ Andrew W. Dorn, Jr.</I></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">March 8, 2016</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Andrew W. Dorn, Jr.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman"><B><I>/s/ Robert M. Glaser</I></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">March 8, 2016</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Robert M. Glaser</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman"><B><I>/s/ Samuel M. Gullo</I></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">March 8, 2016</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Samuel M. Gullo</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman"><B><I>/s/ Susan R. Holliday</I></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">March 8, 2016</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Susan R. Holliday</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman"><B><I>/s/ Erland E. Kailbourne</I></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">March 8, 2016</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Erland E. Kailbourne</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman"><B><I>/s/ Robert N. Latella</I></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director, Chairman</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">March 8, 2016</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Robert N. Latella</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman"><B><I>/s/ James L. Robinson</I></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">March 8, 2016</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">James L. Robinson</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD>
<TD HEIGHT="24" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman"><B><I>/s/ James H. Wyckoff</I></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">March 8, 2016</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">James H. Wyckoff</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 123 - </P>

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<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>2
<FILENAME>d120623dex21.htm
<DESCRIPTION>EX-21
<TEXT>
<HTML><HEAD>
<TITLE>EX-21</TITLE>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit&nbsp;21 </B></P>
<P STYLE="margin-top:16pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SUBSIDIARIES OF REGISTRANT </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD WIDTH="27%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>&nbsp;&nbsp;&nbsp;State&nbsp;or&nbsp;Jurisdiction&nbsp;of&nbsp;&nbsp;&nbsp;</B></P>
<P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Incorporation&nbsp;or</B></P>
<P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Organization</B></P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt; border-bottom:1.00pt solid #000000; width:113.20pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Financial Institutions, Inc. Subsidiaries:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Five Star Bank</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">New&nbsp;York</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Scott Danahy Naylon, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">New&nbsp;York</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Courier Capital, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">New&nbsp;York</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="21"></TD>
<TD HEIGHT="21" COLSPAN="2"></TD>
<TD HEIGHT="21" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Five Star Bank Subsidiaries:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Five Star REIT, Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">New&nbsp;York</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23
<SEQUENCE>3
<FILENAME>d120623dex23.htm
<DESCRIPTION>EX-23
<TEXT>
<HTML><HEAD>
<TITLE>EX-23</TITLE>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit&nbsp;23 </B></P>
<P STYLE="margin-top:60pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Consent of Independent Registered Public Accounting Firm </B></P>
<P STYLE="margin-top:30pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Board of Directors and Shareholders </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Financial Institutions,
Inc.: </P> <P STYLE="margin-top:20pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We consent to incorporation by reference in the Registration Statements <FONT STYLE="white-space:nowrap">No.&nbsp;333-40544,</FONT>
<FONT STYLE="white-space:nowrap">333-82202,</FONT> <FONT STYLE="white-space:nowrap">333-87338,</FONT> 333-172651, <FONT STYLE="white-space:nowrap">333-172652</FONT> and 333-204446 on <FONT STYLE="white-space:nowrap">Form&nbsp;S-8</FONT> of Financial
Institutions, Inc. of our reports, dated March&nbsp;8, 2016, relating to the consolidated statements of financial condition of Financial Institutions, Inc. and subsidiaries (the Company) as of December&nbsp;31, 2015 and 2014, and the related
consolidated statements of income, comprehensive income, changes in shareholders&#146; equity, and cash flows for each of the years in the three-year period ended December&nbsp;31, 2015, and the effectiveness of internal control over financial
reporting as of December&nbsp;31, 2015, which reports appear in the December&nbsp;31, 2015 annual report on <FONT STYLE="white-space:nowrap">Form&nbsp;10-K</FONT> of Financial Institutions, Inc. </P>
<P STYLE="font-size:60pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><I>/s/ KPMG LLP</I></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="19"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Rochester, New York</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">March 8, 2016</TD></TR>
</TABLE>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.1
<SEQUENCE>4
<FILENAME>d120623dex311.htm
<DESCRIPTION>EX-31.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-31.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit&nbsp;31.1 </B></P>
<P STYLE="margin-top:22pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Certification of Principal Executive Officer </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 </B></P>
<P STYLE="margin-top:26pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">I, Martin K. Birmingham, certify that: </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top">I have reviewed this annual report on Form 10-K of Financial Institutions, Inc.; </TD></TR></TABLE> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such
statements were made, not misleading with respect to the period covered by this report; </TD></TR></TABLE> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">3.</TD>
<TD ALIGN="left" VALIGN="top">Based on my knowledge, the financial statements and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the
registrant as of, and for, the periods presented in this report; </TD></TR></TABLE> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">4.</TD>
<TD ALIGN="left" VALIGN="top">The registrant&#146;s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control
over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have: </TD></TR></TABLE> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top">Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its
consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; </TD></TR></TABLE> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of
financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; </TD></TR></TABLE> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="top" ALIGN="left">(c)</TD>
<TD ALIGN="left" VALIGN="top">Evaluated the effectiveness of the registrant&#146;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of
the period covered by this report based on such evaluation; and </TD></TR></TABLE> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="top" ALIGN="left">(d)</TD>
<TD ALIGN="left" VALIGN="top">Disclosed in this report any change in the registrant&#146;s internal control over financial reporting that occurred during the registrant&#146;s most recent fiscal quarter (the registrant&#146;s fourth fiscal quarter
in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#146;s internal control over financial reporting; and </TD></TR></TABLE>
<P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">5.</TD>
<TD ALIGN="left" VALIGN="top">The registrant&#146;s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant&#146;s auditors and the audit committee of the
registrant&#146;s board of directors (or persons performing the equivalent functions): </TD></TR></TABLE> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant&#146;s ability to record,
process, summarize and report financial information; and </TD></TR></TABLE> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top">Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#146;s internal control over financial reporting. </TD></TR></TABLE>
<P STYLE="font-size:22pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="9%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="23%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Date:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">March 8, 2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman"><B><I><FONT STYLE="font-size:5pt">&nbsp;</FONT>/s/&nbsp;&nbsp;Martin K. Birmingham</I></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><FONT STYLE="font-size:8pt">&nbsp;</FONT>Martin K. Birmingham</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-size:8pt">&nbsp;</FONT>President&nbsp;and&nbsp;Chief&nbsp;Executive&nbsp;Officer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>5
<FILENAME>d120623dex312.htm
<DESCRIPTION>EX-31.2
<TEXT>
<HTML><HEAD>
<TITLE>EX-31.2</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit&nbsp;31.2 </B></P>
<P STYLE="margin-top:22pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Certification of Principal Financial Officer </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 </B></P>
<P STYLE="margin-top:26pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">I, Kevin B. Klotzbach, certify that: </P> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top">I have reviewed this annual report on Form 10-K of Financial Institutions, Inc.; </TD></TR></TABLE> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such
statements were made, not misleading with respect to the period covered by this report; </TD></TR></TABLE> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">3.</TD>
<TD ALIGN="left" VALIGN="top">Based on my knowledge, the financial statements and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the
registrant as of, and for, the periods presented in this report; </TD></TR></TABLE> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">4.</TD>
<TD ALIGN="left" VALIGN="top">The registrant&#146;s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control
over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have: </TD></TR></TABLE> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top">Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its
consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; </TD></TR></TABLE> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of
financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; </TD></TR></TABLE> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="top" ALIGN="left">(c)</TD>
<TD ALIGN="left" VALIGN="top">Evaluated the effectiveness of the registrant&#146;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of
the period covered by this report based on such evaluation; and </TD></TR></TABLE> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="top" ALIGN="left">(d)</TD>
<TD ALIGN="left" VALIGN="top">Disclosed in this report any change in the registrant&#146;s internal control over financial reporting that occurred during the registrant&#146;s most recent fiscal quarter (the registrant&#146;s fourth fiscal quarter
in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#146;s internal control over financial reporting; and </TD></TR></TABLE>
<P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">5.</TD>
<TD ALIGN="left" VALIGN="top">The registrant&#146;s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant&#146;s auditors and the audit committee of the
registrant&#146;s board of directors (or persons performing the equivalent functions): </TD></TR></TABLE> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant&#146;s ability to record,
process, summarize and report financial information; and </TD></TR></TABLE> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top">Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#146;s internal control over financial reporting. </TD></TR></TABLE>
<P STYLE="font-size:22pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="36%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="17%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Date:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">March 8, 2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman"><B><I><FONT STYLE="font-size:5pt">&nbsp;</FONT>/s/&nbsp;&nbsp;Kevin B. Klotzbach</I></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><FONT STYLE="font-size:8pt">&nbsp;</FONT>Kevin B. Klotzbach</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-size:8pt">&nbsp;</FONT>Chief Financial Officer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32
<SEQUENCE>6
<FILENAME>d120623dex32.htm
<DESCRIPTION>EX-32
<TEXT>
<HTML><HEAD>
<TITLE>EX-32</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit&nbsp;32 </B></P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Certification pursuant to </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>18 U.S.C. Section&nbsp;1350, </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>as adopted pursuant to </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Section&nbsp;906 of the Sarbanes-Oxley Act of 2002 </B></P>
<P STYLE="margin-top:26pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Martin K. Birmingham, President and Chief Executive Officer, and Kevin B. Klotzbach,<B><I> </I></B>Chief Financial Officer of Financial Institutions, Inc.
(the &#147;Company&#148;), each certify in his capacity as an officer of the Company that he has reviewed the Annual Report of the Company on Form 10-K for the period ended December&nbsp;31, 2015 and that to the best of his knowledge: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top">The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top">The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company. </TD></TR></TABLE>
<P STYLE="font-size:30pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="17%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Date:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">March 8, 2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman"><B><I><FONT STYLE="font-size:5pt">&nbsp;</FONT>/s/&nbsp;&nbsp;Martin K. Birmingham</I></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><FONT STYLE="font-size:8pt">&nbsp;</FONT>Martin K. Birmingham</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-size:8pt">&nbsp;</FONT>President and Chief Executive Officer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-size:8pt">&nbsp;</FONT>(Principal Executive Officer)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="27"></TD>
<TD HEIGHT="27" COLSPAN="2"></TD>
<TD HEIGHT="27" COLSPAN="2"></TD>
<TD HEIGHT="27" COLSPAN="2"></TD>
<TD HEIGHT="27" COLSPAN="2"></TD>
<TD HEIGHT="27" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Date:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">March 8, 2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman"><B><I><FONT STYLE="font-size:5pt">&nbsp;</FONT>/s/&nbsp;&nbsp;Kevin B. Klotzbach</I></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><FONT STYLE="font-size:8pt">&nbsp;</FONT>Kevin B. Klotzbach</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-size:8pt">&nbsp;</FONT>Chief Financial Officer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-size:8pt">&nbsp;</FONT>(Principal Financial Officer)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE> <P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The purpose of this statement is solely to comply with Title 18, Chapter&nbsp;63, Section&nbsp;1350 of the United States Code,
as amended by Section&nbsp;906 of the Sarbanes-Oxley Act of 2002.&nbsp;A signed original of this written statement required by Section 906 has been provided to Financial Institutions, Inc. and will be retained by Financial Institutions, Inc. and
furnished to the Securities and Exchange Commission or its staff upon request. </P>
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&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,479&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Valuation allowance&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(6&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage servicing assets, net, end of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,224&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,329&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,476&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</fisi:ActivityInCapitalizedMortgageServicingAssetsTableTextBlock>
  <fisi:AtmAndDebitCard contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">5098000</fisi:AtmAndDebitCard>
  <fisi:AtmAndDebitCard contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">4963000</fisi:AtmAndDebitCard>
  <fisi:AtmAndDebitCard contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">5084000</fisi:AtmAndDebitCard>
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  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2014_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesMember" unitRef="Unit12" decimals="-3">4801000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2014_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember" unitRef="Unit12" decimals="-3">898000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2014_us-gaap_InvestmentTypeAxis_us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CollateralizedMortgageObligationsMember" unitRef="Unit12" decimals="-3">2585000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2014_us-gaap_InvestmentTypeAxis_us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CollateralizedMortgageObligationsMember" unitRef="Unit12" decimals="-3">920000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2014_us-gaap_InvestmentTypeAxis_us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesMember" unitRef="Unit12" decimals="-3">1256000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2014_us-gaap_InvestmentTypeAxis_us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CollateralizedMortgageObligationsMember" unitRef="Unit12" decimals="-3">40000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">513000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2015_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesMember" unitRef="Unit12" decimals="-3">199000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2015_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember" unitRef="Unit12" decimals="-3">314000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2015_us-gaap_InvestmentTypeAxis_us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesMember" unitRef="Unit12" decimals="-3">199000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">5815000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2014_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesMember" unitRef="Unit12" decimals="-3">4840000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2014_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember" unitRef="Unit12" decimals="-3">975000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2014_us-gaap_InvestmentTypeAxis_us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CollateralizedMortgageObligationsMember" unitRef="Unit12" decimals="-3">2585000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2014_us-gaap_InvestmentTypeAxis_us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesMember" unitRef="Unit12" decimals="-3">7000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2014_us-gaap_InvestmentTypeAxis_us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CollateralizedMortgageObligationsMember" unitRef="Unit12" decimals="-3">944000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments>
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  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2014_us-gaap_InvestmentTypeAxis_us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CollateralizedMortgageObligationsMember" unitRef="Unit12" decimals="-3">40000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">3825000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2015_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesMember" unitRef="Unit12" decimals="-3">2776000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2015_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember" unitRef="Unit12" decimals="-3">1049000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2015_us-gaap_InvestmentTypeAxis_us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CollateralizedMortgageObligationsMember" unitRef="Unit12" decimals="-3">91000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2015_us-gaap_InvestmentTypeAxis_us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesMember" unitRef="Unit12" decimals="-3">194000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2015_us-gaap_InvestmentTypeAxis_us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CollateralizedMortgageObligationsMember" unitRef="Unit12" decimals="-3">154000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments>
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  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">116000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2014_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesMember" unitRef="Unit12" decimals="-3">39000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2014_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember" unitRef="Unit12" decimals="-3">77000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2014_us-gaap_InvestmentTypeAxis_us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesMember" unitRef="Unit12" decimals="-3">7000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2014_us-gaap_InvestmentTypeAxis_us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CollateralizedMortgageObligationsMember" unitRef="Unit12" decimals="-3">24000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2014_us-gaap_InvestmentTypeAxis_us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesMember" unitRef="Unit12" decimals="-3">8000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">3312000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2015_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesMember" unitRef="Unit12" decimals="-3">2577000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2015_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember" unitRef="Unit12" decimals="-3">735000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2015_us-gaap_InvestmentTypeAxis_us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CollateralizedMortgageObligationsMember" unitRef="Unit12" decimals="-3">91000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2015_us-gaap_InvestmentTypeAxis_us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesMember" unitRef="Unit12" decimals="-3">194000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2015_us-gaap_InvestmentTypeAxis_us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CollateralizedMortgageObligationsMember" unitRef="Unit12" decimals="-3">154000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2015_us-gaap_InvestmentTypeAxis_us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesMember" unitRef="Unit12" decimals="-3">2134000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments contextRef="As_Of_12_31_2015_us-gaap_InvestmentTypeAxis_us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesMember" unitRef="Unit12" decimals="-3">4000</fisi:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments>
  <fisi:AvailableForSaleSecuritiesInUnrealizedLossPositionsLessThanTwelveMonthsQualitativeDisclosureNumberOfPositions contextRef="As_Of_12_31_2014" unitRef="Unit13" decimals="0">71</fisi:AvailableForSaleSecuritiesInUnrealizedLossPositionsLessThanTwelveMonthsQualitativeDisclosureNumberOfPositions>
  <fisi:AvailableForSaleSecuritiesInUnrealizedLossPositionsLessThanTwelveMonthsQualitativeDisclosureNumberOfPositions contextRef="As_Of_12_31_2015" unitRef="Unit13" decimals="0">142</fisi:AvailableForSaleSecuritiesInUnrealizedLossPositionsLessThanTwelveMonthsQualitativeDisclosureNumberOfPositions>
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  <fisi:AvailableForSaleSecuritiesInUnrealizedLossPositionsTwelveMonthsOrLongerQualitativeDisclosureNumberOfPositions contextRef="As_Of_12_31_2015" unitRef="Unit13" decimals="0">10</fisi:AvailableForSaleSecuritiesInUnrealizedLossPositionsTwelveMonthsOrLongerQualitativeDisclosureNumberOfPositions>
  <fisi:CapitalConservationBuffer contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementScenarioAxis_fisi_FullyPhasedInMember" unitRef="Unit14" decimals="INF">0.025</fisi:CapitalConservationBuffer>
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  <fisi:CapitalSharesAuthorized contextRef="As_Of_12_31_2015" unitRef="Unit1" decimals="INF">50210000</fisi:CapitalSharesAuthorized>
  <fisi:CashAndDueFromSubsidiary contextRef="As_Of_12_31_2014_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">9559000</fisi:CashAndDueFromSubsidiary>
  <fisi:CashAndDueFromSubsidiary contextRef="As_Of_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">15787000</fisi:CashAndDueFromSubsidiary>
  <fisi:CashFlowReportingPolicyTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(c.) Cash Flow Reporting&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash and cash equivalents include cash and due from banks, federal funds sold and interest-bearing deposits in other banks. Net cash flows are reported for loans, deposit transactions and short-term borrowings.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Supplemental cash flow information is summarized as follows for the years ended December 31 (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="51%"&gt; &lt;/td&gt;
&lt;td style="width: 15%; border-bottom: rgb(0,0,0) 1px solid;" width="15%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td style="width: 15%; border-bottom: rgb(0,0,0) 1px solid;" width="14%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 15%; border-bottom: rgb(0,0,0) 1px solid;" width="14%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash payments:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,323&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,826&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,750&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,494&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,665&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,095&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Noncash investing and financing activities:&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Real estate and other assets acquired in settlement of loans&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;374&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;394&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;726&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Accrued and declared unpaid dividends&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,185&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,177&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,981&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(Decrease) increase in net unsettled security purchases&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(478&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;568&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(51,112&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Securities transferred from available for sale to held to maturity&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;165,238&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,802&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;227,330&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans transferred from held for sale to held for investment&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;853&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,727&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Common stock issued for acquisition&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,400&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Assets acquired and liabilities assumed in business combinations:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans and other non-cash assets, excluding goodwill and core&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;deposit intangible asset&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,007&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Deposits and other liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,112&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</fisi:CashFlowReportingPolicyTextBlock>
  <fisi:CompanyOwnedLifeInsurancePolicyTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(j.) Company Owned Life Insurance&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company holds life insurance policies on certain current and former employees. The Company is the owner and beneficiary of the policies. The cash surrender value of these policies is included as an asset on the consolidated statements of financial condition, and any increase in cash surrender value is recorded as noninterest income on the consolidated statements of income. In the event of the death of an insured individual under these policies, the Company would receive a death benefit which would be recorded as noninterest income.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</fisi:CompanyOwnedLifeInsurancePolicyTextBlock>
  <fisi:DaysPastDueWhenLoansAreGenerallyChargedOffInFullInDays contextRef="Duration_1_1_2015_To_12_31_2015">P120D</fisi:DaysPastDueWhenLoansAreGenerallyChargedOffInFullInDays>
  <fisi:DaysPastDueWhenLoansAreGenerallyPlacedOnNonaccrualStatusInDays contextRef="Duration_1_1_2015_To_12_31_2015">P90D</fisi:DaysPastDueWhenLoansAreGenerallyPlacedOnNonaccrualStatusInDays>
  <fisi:DebtInstrumentNumberOfYearsAtStatedRate contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_DebtInstrumentAxis_fisi_SubordinatedNotes1Member">P10Y</fisi:DebtInstrumentNumberOfYearsAtStatedRate>
  <fisi:DebtIssuanceCostAmortizationPeriod contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_DebtInstrumentAxis_fisi_SubordinatedNotes1Member">P15Y</fisi:DebtIssuanceCostAmortizationPeriod>
  <fisi:DebtOutstandingOriginalTermInYears contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_RangeAxis_us-gaap_MaximumMember">P5Y</fisi:DebtOutstandingOriginalTermInYears>
  <fisi:DebtOutstandingOriginalTermInYears contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_RangeAxis_us-gaap_MinimumMember">P1Y</fisi:DebtOutstandingOriginalTermInYears>
  <fisi:DeferredTaxAsetsNetUnrealizedLossOnSecuritiesAvailableForSale contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">420000</fisi:DeferredTaxAsetsNetUnrealizedLossOnSecuritiesAvailableForSale>
  <fisi:DeferredTaxAssetsInterestOnNonaccrualLoans contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">664000</fisi:DeferredTaxAssetsInterestOnNonaccrualLoans>
  <fisi:DeferredTaxAssetsInterestOnNonaccrualLoans contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">615000</fisi:DeferredTaxAssetsInterestOnNonaccrualLoans>
  <fisi:DeferredTaxAssetsOtherThanTemporaryImpairmentOfInvestmentSecurities contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">1917000</fisi:DeferredTaxAssetsOtherThanTemporaryImpairmentOfInvestmentSecurities>
  <fisi:DeferredTaxLiabilitiesDepreciationAndAmortization contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">1249000</fisi:DeferredTaxLiabilitiesDepreciationAndAmortization>
  <fisi:DeferredTaxLiabilitiesDepreciationAndAmortization contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">1004000</fisi:DeferredTaxLiabilitiesDepreciationAndAmortization>
  <fisi:DeferredTaxLiabilitiesNetUnrealizedGainsOnSecuritiesAvailableForSale contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">1039000</fisi:DeferredTaxLiabilitiesNetUnrealizedGainsOnSecuritiesAvailableForSale>
  <fisi:DefinedBenefitPlanUnrealizedGainLoss contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" decimals="-3">336000</fisi:DefinedBenefitPlanUnrealizedGainLoss>
  <fisi:DefinedBenefitPlanWeightedAverageExpectedLongTermRateOfReturn contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_fisi_OtherFinancialInstrumentsMember" unitRef="Unit14" decimals="4">0.0028</fisi:DefinedBenefitPlanWeightedAverageExpectedLongTermRateOfReturn>
  <fisi:DefinedBenefitPlanWeightedAverageExpectedLongTermRateOfReturn contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_CashAndCashEquivalentsMember" unitRef="Unit14" decimals="4">0.0016</fisi:DefinedBenefitPlanWeightedAverageExpectedLongTermRateOfReturn>
  <fisi:DefinedBenefitPlanWeightedAverageExpectedLongTermRateOfReturn contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_EquitySecuritiesMember" unitRef="Unit14" decimals="4">0.0397</fisi:DefinedBenefitPlanWeightedAverageExpectedLongTermRateOfReturn>
  <fisi:DefinedBenefitPlanWeightedAverageExpectedLongTermRateOfReturn contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_FixedIncomeSecuritiesMember" unitRef="Unit14" decimals="4">0.0201</fisi:DefinedBenefitPlanWeightedAverageExpectedLongTermRateOfReturn>
  <fisi:DividendsAccruedAndDeclaredButNotYetPaid contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">2981000</fisi:DividendsAccruedAndDeclaredButNotYetPaid>
  <fisi:DividendsAccruedAndDeclaredButNotYetPaid contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">3177000</fisi:DividendsAccruedAndDeclaredButNotYetPaid>
  <fisi:DividendsAccruedAndDeclaredButNotYetPaid contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">3185000</fisi:DividendsAccruedAndDeclaredButNotYetPaid>
  <fisi:EffectiveIncomeTaxRateReconciliationGoodwillAndContingentConsiderationAdjustmentsPercent contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit14" decimals="3">-0.003</fisi:EffectiveIncomeTaxRateReconciliationGoodwillAndContingentConsiderationAdjustmentsPercent>
  <fisi:EffectiveIncomeTaxRateReconciliationNonTaxableEarningsOnCompanyOwnedLifeInsurance contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit14" decimals="3">-0.016</fisi:EffectiveIncomeTaxRateReconciliationNonTaxableEarningsOnCompanyOwnedLifeInsurance>
  <fisi:EffectiveIncomeTaxRateReconciliationNonTaxableEarningsOnCompanyOwnedLifeInsurance contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit14" decimals="3">-0.016</fisi:EffectiveIncomeTaxRateReconciliationNonTaxableEarningsOnCompanyOwnedLifeInsurance>
  <fisi:EffectiveIncomeTaxRateReconciliationNonTaxableEarningsOnCompanyOwnedLifeInsurance contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit14" decimals="3">-0.018</fisi:EffectiveIncomeTaxRateReconciliationNonTaxableEarningsOnCompanyOwnedLifeInsurance>
  <fisi:EmployeeBenefitsPolicyPolicyTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(p.) Employee Benefits&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company maintains an employer sponsored 401(k) plan where participants may make contributions in the form of salary deferrals and the Company provides matching contributions in accordance with the terms of the plan. Contributions due under the terms of our defined contribution plans are accrued as earned by employees.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company also participates in a non-contributory defined benefit pension plan for certain employees who previously met participation requirements. The Company also provides post-retirement benefits, principally health and dental care, to employees of a previously acquired entity. The Company has closed the pension and post-retirement plans to new participants. The actuarially determined pension benefit is based on years of service and the employee's highest average compensation during&amp;nbsp;&lt;font class="_mt"&gt;five&lt;/font&gt; consecutive years of employment. The Company's policy is to at least fund the minimum amount required by the Employment Retirement Income Security Act of 1974. The cost of the pension and post-retirement plans are based on actuarial computations of current and future benefits for employees, and is charged to noninterest expense in the consolidated statements of income.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company recognizes an asset or a liability for a plans' overfunded status or underfunded status, respectively, in the consolidated financial statements and reports changes in the funded status as a component of other comprehensive income, net of applicable taxes, in the year in which changes occur.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Effective January 1, 2016, the &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#080709" size="2"&gt;Company's &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;401(k) plan was amended and the Company's matching contribution was discontinued. Concurrent with the 401(k) plan amendment, the &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#080709" size="2"&gt;Company's &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;defined benefit pension plan was amended to &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#080709" size="2"&gt;modify the current benefit formula to reflect the discontinuance of the matching contribution in the 401(k) plan, to open the &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;defined benefit pension plan &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#080709" size="2"&gt;up to eligible employees who were hired on and after January 1, 2007, and provide those new participants with a cash balance benefit formula.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</fisi:EmployeeBenefitsPolicyPolicyTextBlock>
  <fisi:FederalHomeLoanBankAndFederalReserveBankStockPolicyPolicyTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(m.)Federal Home Loan Bank ("FHLB") and Federal Reserve Bank ("FRB") Stock&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The non-marketable investments in FHLB and FRB stock are included in other assets in the consolidated statements of financial condition at par value or cost and are periodically reviewed for impairment. The dividends received relative to these investments are included in other noninterest income in the consolidated statements of income.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;As a member of the FHLB system, the Company is required to maintain a specified investment in FHLB of New York ("FHLBNY") stock in proportion to its volume of certain transactions with the FHLB. FHLBNY stock totaled $&lt;font class="_mt"&gt;15.1&lt;/font&gt; million as of December 31, 2015 and 2014.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;As a member of the FRB system, the Company is required to maintain a specified investment in FRB stock based on a ratio relative to the Company's capital. FRB stock totaled $&lt;font class="_mt"&gt;4.9&lt;/font&gt; million and $&lt;font class="_mt"&gt;3.9&lt;/font&gt; million as of December 31, 2015 and 2014, respectively.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</fisi:FederalHomeLoanBankAndFederalReserveBankStockPolicyPolicyTextBlock>
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">32545000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_fisi_GovernmentNationalMortgageAssociationCertificatesAndObligationsGnmaTwoMember" unitRef="Unit12" decimals="-3">123000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_fisi_OtherAssetBackedSecuritiesMember" unitRef="Unit12" decimals="-3">160000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_AllOtherCorporateBondsMember" unitRef="Unit12" decimals="-3">2971000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_CollateralizedMortgageObligationsMember" unitRef="Unit12" decimals="-3">682000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_ConsumerLoansAutoFinancingReceivableMember" unitRef="Unit12" decimals="-3">330000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">32545000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities xsi:nil="true" contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember" unitRef="Unit12" decimals="-3">73000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember" unitRef="Unit12" decimals="-3">1951000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_MultiemployerPlansPensionMember" unitRef="Unit12" decimals="-3">21083000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_OtherAssetsMember" unitRef="Unit12" decimals="-3">33000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_USTreasuryAndGovernmentMember" unitRef="Unit12" decimals="-3">5139000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_fisi_GovernmentNationalMortgageAssociationCertificatesAndObligationsGnmaTwoMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">123000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities xsi:nil="true" contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_fisi_GovernmentNationalMortgageAssociationCertificatesAndObligationsGnmaTwoMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_fisi_OtherAssetBackedSecuritiesMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">160000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities xsi:nil="true" contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_fisi_OtherAssetBackedSecuritiesMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_AllOtherCorporateBondsMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">2971000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities xsi:nil="true" contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_AllOtherCorporateBondsMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_CollateralizedMortgageObligationsMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">682000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities xsi:nil="true" contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_CollateralizedMortgageObligationsMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_ConsumerLoansAutoFinancingReceivableMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">330000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities xsi:nil="true" contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_ConsumerLoansAutoFinancingReceivableMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">73000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities xsi:nil="true" contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">1951000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities xsi:nil="true" contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_MultiemployerPlansPensionMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">21083000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities xsi:nil="true" contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_MultiemployerPlansPensionMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_OtherAssetsMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">33000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities xsi:nil="true" contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_OtherAssetsMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_USTreasuryAndGovernmentMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">5139000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities xsi:nil="true" contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_USTreasuryAndGovernmentMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">31742000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_fisi_GovernmentNationalMortgageAssociationCertificatesAndObligationsGnmaTwoMember" unitRef="Unit12" decimals="-3">384000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_AllOtherCorporateBondsMember" unitRef="Unit12" decimals="-3">3439000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_CollateralizedMortgageObligationsMember" unitRef="Unit12" decimals="-3">608000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">31742000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities xsi:nil="true" contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember" unitRef="Unit12" decimals="-3">276000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember" unitRef="Unit12" decimals="-3">1966000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_MultiemployerPlansPensionMember" unitRef="Unit12" decimals="-3">17889000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_USTreasuryAndGovernmentMember" unitRef="Unit12" decimals="-3">7180000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_fisi_GovernmentNationalMortgageAssociationCertificatesAndObligationsGnmaTwoMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">384000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities xsi:nil="true" contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_fisi_GovernmentNationalMortgageAssociationCertificatesAndObligationsGnmaTwoMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_AllOtherCorporateBondsMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">3439000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities xsi:nil="true" contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_AllOtherCorporateBondsMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_CollateralizedMortgageObligationsMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">608000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities xsi:nil="true" contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_CollateralizedMortgageObligationsMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">276000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities xsi:nil="true" contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">1966000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities xsi:nil="true" contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_MultiemployerPlansPensionMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">17889000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities xsi:nil="true" contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_MultiemployerPlansPensionMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <fisi:FixedIncomeSecurities contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_USTreasuryAndGovernmentMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">7180000</fisi:FixedIncomeSecurities>
  <fisi:FixedIncomeSecurities xsi:nil="true" contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_USTreasuryAndGovernmentMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <fisi:ForwardSalesCommitments contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-5">1200000</fisi:ForwardSalesCommitments>
  <fisi:ForwardSalesCommitments contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-5">1300000</fisi:ForwardSalesCommitments>
  <fisi:GeneralPeriodAfterLoansBecomeCurrentAccrualStatusReturnedInMonths contextRef="Duration_1_1_2015_To_12_31_2015">P6M</fisi:GeneralPeriodAfterLoansBecomeCurrentAccrualStatusReturnedInMonths>
  <fisi:IncomeBeforeEquityInUndistributedEarningsOfSubsidiary contextRef="Duration_1_1_2013_To_12_31_2013_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">13553000</fisi:IncomeBeforeEquityInUndistributedEarningsOfSubsidiary>
  <fisi:IncomeBeforeEquityInUndistributedEarningsOfSubsidiary contextRef="Duration_1_1_2014_To_12_31_2014_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">19094000</fisi:IncomeBeforeEquityInUndistributedEarningsOfSubsidiary>
  <fisi:IncomeBeforeEquityInUndistributedEarningsOfSubsidiary contextRef="Duration_1_1_2015_To_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">14329000</fisi:IncomeBeforeEquityInUndistributedEarningsOfSubsidiary>
  <fisi:IncomeTaxExpenseAllocationTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="36%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="33%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income tax expense&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,539&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,625&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,377&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Shareholder's equity&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,456&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;925&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(8,817&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</fisi:IncomeTaxExpenseAllocationTableTextBlock>
  <fisi:IncreaseInNetUnsettledSecurityTransactions contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">51112000</fisi:IncreaseInNetUnsettledSecurityTransactions>
  <fisi:IncreaseInNetUnsettledSecurityTransactions contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">-568000</fisi:IncreaseInNetUnsettledSecurityTransactions>
  <fisi:IncreaseInNetUnsettledSecurityTransactions contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">478000</fisi:IncreaseInNetUnsettledSecurityTransactions>
  <fisi:IncrementalCommonSharesAttributableToVestingOfRestrictedStockAwards contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit1" decimals="-3">32000</fisi:IncrementalCommonSharesAttributableToVestingOfRestrictedStockAwards>
  <fisi:IncrementalCommonSharesAttributableToVestingOfRestrictedStockAwards contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit1" decimals="-3">27000</fisi:IncrementalCommonSharesAttributableToVestingOfRestrictedStockAwards>
  <fisi:IncrementalCommonSharesAttributableToVestingOfRestrictedStockAwards contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit1" decimals="-3">30000</fisi:IncrementalCommonSharesAttributableToVestingOfRestrictedStockAwards>
  <fisi:InterestExpenseByDepositsTypeTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="43%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="28%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Interest-bearing demand&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;754&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;607&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;729&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Savings and money market&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,166&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;913&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;978&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Time deposits&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,386&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,846&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,893&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total interest expense on deposits&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,306&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,366&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,600&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</fisi:InterestExpenseByDepositsTypeTableTextBlock>
  <fisi:InvestmentSecuritiesAccumulatedUnrecognizedHoldingLoss contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">5935000</fisi:InvestmentSecuritiesAccumulatedUnrecognizedHoldingLoss>
  <fisi:InvestmentSecuritiesAccumulatedUnrecognizedHoldingLoss contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">6106000</fisi:InvestmentSecuritiesAccumulatedUnrecognizedHoldingLoss>
  <fisi:InvestmentSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">5699000</fisi:InvestmentSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
  <fisi:InvestmentSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">513000</fisi:InvestmentSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
  <fisi:InvestmentSecuritiesContinuousUnrealizedLossPositionFairValue contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">277830000</fisi:InvestmentSecuritiesContinuousUnrealizedLossPositionFairValue>
  <fisi:InvestmentSecuritiesContinuousUnrealizedLossPositionFairValue contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">436163000</fisi:InvestmentSecuritiesContinuousUnrealizedLossPositionFairValue>
  <fisi:InvestmentSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">236000</fisi:InvestmentSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
  <fisi:InvestmentSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">5593000</fisi:InvestmentSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
  <fisi:InvestmentSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">69888000</fisi:InvestmentSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <fisi:InvestmentSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">400299000</fisi:InvestmentSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <fisi:InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">207942000</fisi:InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <fisi:InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">35864000</fisi:InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <fisi:InvestmentStrategyPercentageInLongTermGrowth contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit14" decimals="2">0.97</fisi:InvestmentStrategyPercentageInLongTermGrowth>
  <fisi:InvestmentStrategyPercentageInNearTermBenefitPayments contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit14" decimals="2">0.03</fisi:InvestmentStrategyPercentageInNearTermBenefitPayments>
  <fisi:LoansHeldForSaleAndLoanServicingRightsDisclosureTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(4.) LOANS HELD FOR SALE AND LOAN SERVICING RIGHTS&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans held for sale were entirely comprised of residential real estate mortgages and totaled $1.4 million and $755 thousand as of December 31, 2015 and 2014, respectively.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company sells certain qualifying newly originated or refinanced residential real estate mortgages on the secondary market. Residential real estate mortgages serviced for others, which are not included in the consolidated statements of financial condition, amounted to $&lt;font class="_mt"&gt;196.0&lt;/font&gt; million and $&lt;font class="_mt"&gt;215.2&lt;/font&gt; million as of December 31, 2015 and 2014, respectively. In connection with these mortgage-servicing activities, the Company administered escrow and other custodial funds which amounted to approximately $&lt;font class="_mt"&gt;4.4&lt;/font&gt; million and $&lt;font class="_mt"&gt;4.6&lt;/font&gt; million as of December 31, 2015 and 2014, respectively.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The activity in capitalized mortgage servicing assets is summarized as follows for the years ended December 31 (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="42%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="24%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage servicing assets, beginning of year&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,335&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,479&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,637&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Originations&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;166&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;172&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;277&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(276&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(316&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(435&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage servicing assets, end of year&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,225&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,335&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,479&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Valuation allowance&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(6&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage servicing assets, net, end of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,224&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,329&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,476&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt; &lt;/div&gt;</fisi:LoansHeldForSaleAndLoanServicingRightsDisclosureTextBlock>
  <fisi:LoansHeldForSaleAndLoanServicingRightsPolicyPolicyTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(e.) Loans Held for Sale and Loan Servicing Rights&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company generally makes the determination of whether to identify a mortgage as held for sale at the time the loan is closed based on the Company's intent and ability to hold the loan. Loans held for sale are recorded at the lower of cost or market computed on the aggregate portfolio basis. The amount, by which cost exceeds market value, if any, is accounted for as a valuation allowance with changes included in the determination of results of operations for the period in which the change occurs. The amount of loan origination costs and fees are deferred at origination and recognized as part of the gain or loss on sale of the loans, determined using the specific identification method, in the consolidated statements of income.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company originates and sells certain residential real estate loans in the secondary market. The Company typically retains the right to service the mortgages upon sale. Mortgage-servicing rights ("MSRs") represent the cost of acquiring the contractual rights to service loans for others. MSRs are recorded at their fair value at the time a loan is sold and servicing rights are retained. MSRs are reported in other assets in the consolidated statements of financial position and are amortized to noninterest income in the consolidated statements of income in proportion to and over the period of estimated net servicing income. The Company uses a valuation model that calculates the present value of future cash flows to determine the fair value of servicing rights. In using this valuation method, the Company incorporates assumptions to estimate future net servicing income, which include estimates of the cost to service the loan, the discount rate, an inflation rate and prepayment speeds. On a quarterly basis, the Company evaluates its MSRs for impairment and charges any such impairment to current period earnings. In order to evaluate its MSRs the Company stratifies the related mortgage loans on the basis of their predominant risk characteristics, such as interest rates, year of origination and term, using discounted cash flows and market-based assumptions. Impairment of MSRs is recognized through a valuation allowance, determined by estimating the fair value of each stratum and comparing it to its carrying value. Subsequent increases in fair value are adjusted through the valuation allowance, but only to the extent of the valuation allowance.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage loan servicing includes collecting monthly mortgagor payments, forwarding payments and related accounting reports to investors, collecting escrow deposits for the payment of mortgagor property taxes and insurance, paying taxes and insurance from escrow funds when due and administrating foreclosure actions when necessary. Loan servicing income (a component of noninterest income in the consolidated statements of income) consists of fees earned for servicing mortgage loans sold to third parties, net of amortization expense and impairment losses associated with capitalized mortgage servicing assets&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</fisi:LoansHeldForSaleAndLoanServicingRightsPolicyPolicyTextBlock>
  <fisi:LoansTransferredFromHeldForSaleToHeldForInvestment contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">3727000</fisi:LoansTransferredFromHeldForSaleToHeldForInvestment>
  <fisi:LoansTransferredFromHeldForSaleToHeldForInvestment contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">853000</fisi:LoansTransferredFromHeldForSaleToHeldForInvestment>
  <fisi:LossEmergencePeriod contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_RangeAxis_us-gaap_MaximumMember">P24M</fisi:LossEmergencePeriod>
  <fisi:LossEmergencePeriod contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_RangeAxis_us-gaap_MinimumMember">P12M</fisi:LossEmergencePeriod>
  <fisi:LossRateLookBackPeriod contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_RangeAxis_us-gaap_MaximumMember">P48M</fisi:LossRateLookBackPeriod>
  <fisi:LossRateLookBackPeriod contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_RangeAxis_us-gaap_MinimumMember">P24M</fisi:LossRateLookBackPeriod>
  <fisi:MaximumMarketValuePurchasePercentageAllowedOfAnyOneIssuer contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit14" decimals="2">0.08</fisi:MaximumMarketValuePurchasePercentageAllowedOfAnyOneIssuer>
  <fisi:MaximumPercentageOfSecuritiesPurchasingAllowedOfPortfolioAtAnyTime contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit14" decimals="2">0.05</fisi:MaximumPercentageOfSecuritiesPurchasingAllowedOfPortfolioAtAnyTime>
  <fisi:MaximumPercentageOfSecuritiesPurchasingAllowedOfPortfolioAtAnyTime contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialMortgageBackSecuritiesAndAssetsBackedSecuritiesMember_us-gaap_StatementScenarioAxis_fisi_EffectiveFebruaryTwoThousandTwelveMember" unitRef="Unit14" decimals="2">0.10</fisi:MaximumPercentageOfSecuritiesPurchasingAllowedOfPortfolioAtAnyTime>
  <fisi:MaximumPercentageOfSecuritiesPurchasingAllowedOfPortfolioAtAnyTime contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_InternalCreditAssessmentAxis_fisi_SecuritiesLessThanAqualityMember_us-gaap_StatementScenarioAxis_fisi_EffectiveFebruaryTwoThousandTwelveMember" unitRef="Unit14" decimals="2">0.13</fisi:MaximumPercentageOfSecuritiesPurchasingAllowedOfPortfolioAtAnyTime>
  <fisi:MortgageServicingAssetsBeforeValuationAllowance contextRef="As_Of_12_31_2012" unitRef="Unit12" decimals="-3">1637000</fisi:MortgageServicingAssetsBeforeValuationAllowance>
  <fisi:MortgageServicingAssetsBeforeValuationAllowance contextRef="As_Of_12_31_2013" unitRef="Unit12" decimals="-3">1479000</fisi:MortgageServicingAssetsBeforeValuationAllowance>
  <fisi:MortgageServicingAssetsBeforeValuationAllowance contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">1335000</fisi:MortgageServicingAssetsBeforeValuationAllowance>
  <fisi:MortgageServicingAssetsBeforeValuationAllowance contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">1225000</fisi:MortgageServicingAssetsBeforeValuationAllowance>
  <fisi:MortgageServicingAssetsNetOfValuationAllowance contextRef="As_Of_12_31_2013" unitRef="Unit12" decimals="-3">1476000</fisi:MortgageServicingAssetsNetOfValuationAllowance>
  <fisi:MortgageServicingAssetsNetOfValuationAllowance contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">1329000</fisi:MortgageServicingAssetsNetOfValuationAllowance>
  <fisi:MortgageServicingAssetsNetOfValuationAllowance contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">1224000</fisi:MortgageServicingAssetsNetOfValuationAllowance>
  <fisi:MortgageServicingAssetsValuationAllowance contextRef="As_Of_12_31_2013" unitRef="Unit12" decimals="-3">3000</fisi:MortgageServicingAssetsValuationAllowance>
  <fisi:MortgageServicingAssetsValuationAllowance contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">6000</fisi:MortgageServicingAssetsValuationAllowance>
  <fisi:MortgageServicingAssetsValuationAllowance contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">1000</fisi:MortgageServicingAssetsValuationAllowance>
  <fisi:NoninterestIncomeInvestmentsInLimitedPartnerships contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">857000</fisi:NoninterestIncomeInvestmentsInLimitedPartnerships>
  <fisi:NoninterestIncomeInvestmentsInLimitedPartnerships contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">1103000</fisi:NoninterestIncomeInvestmentsInLimitedPartnerships>
  <fisi:NoninterestIncomeInvestmentsInLimitedPartnerships contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">895000</fisi:NoninterestIncomeInvestmentsInLimitedPartnerships>
  <fisi:NonMaturityDepositsFairValueDisclosure contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="Unit12" decimals="-3">1857285000</fisi:NonMaturityDepositsFairValueDisclosure>
  <fisi:NonMaturityDepositsFairValueDisclosure contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="Unit12" decimals="-3">1857285000</fisi:NonMaturityDepositsFairValueDisclosure>
  <fisi:NonMaturityDepositsFairValueDisclosure contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="Unit12" decimals="-3">2093513000</fisi:NonMaturityDepositsFairValueDisclosure>
  <fisi:NonMaturityDepositsFairValueDisclosure contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="Unit12" decimals="-3">2093513000</fisi:NonMaturityDepositsFairValueDisclosure>
  <fisi:NumberOfNonEmployeeDirectors contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_TitleOfIndividualAxis_us-gaap_DirectorMember" unitRef="Unit15" decimals="INF">3</fisi:NumberOfNonEmployeeDirectors>
  <fisi:NumberOfYearsUsedForCompensationCalculation contextRef="Duration_1_1_2015_To_12_31_2015">P5Y</fisi:NumberOfYearsUsedForCompensationCalculation>
  <fisi:OtherComprehensiveIncomeLossTransfersFromAvailableForSaleToHeldToMaturitySecuritiesBeforeTax contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">51000</fisi:OtherComprehensiveIncomeLossTransfersFromAvailableForSaleToHeldToMaturitySecuritiesBeforeTax>
  <fisi:OtherComprehensiveIncomeLossTransfersFromAvailableForSaleToHeldToMaturitySecuritiesBeforeTax contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-5">1100000</fisi:OtherComprehensiveIncomeLossTransfersFromAvailableForSaleToHeldToMaturitySecuritiesBeforeTax>
  <fisi:OtherRealEstateOwnedPolicyPolicyTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(i.) Other Real Estate Owned&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other real estate owned consists of properties acquired through foreclosure or by acceptance of a deed in lieu of foreclosure. These assets are recorded at the lower of fair value of the asset acquired less estimated costs to sell or "cost" (defined as the fair value at initial foreclosure). At the time of foreclosure, or when foreclosure occurs in-substance, the excess, if any, of the loan over the fair market value of the assets received, less estimated selling costs, is charged to the allowance for loan losses and any subsequent valuation write-downs are charged to other expense. In connection with the determination of the allowance for loan losses and the valuation of other real estate owned, management obtains appraisals for properties. Operating costs associated with the properties are charged to expense as incurred. Gains on the sale of other real estate owned are included in income when title has passed and the sale has met the minimum down payment requirements prescribed by GAAP. The balance of other real estate owned was $&lt;font class="_mt"&gt;163&lt;/font&gt; thousand and $&lt;font class="_mt"&gt;194&lt;/font&gt; thousand at December 31, 2015 and 2014, respectively.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</fisi:OtherRealEstateOwnedPolicyPolicyTextBlock>
  <fisi:PaymentForRepurchaseOfSeriesBOneEightPointFourEightPercentPreferredStock contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">-130000</fisi:PaymentForRepurchaseOfSeriesBOneEightPointFourEightPercentPreferredStock>
  <fisi:PaymentForRepurchaseOfSeriesBOneEightPointFourEightPercentPreferredStock contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_StatementEquityComponentsAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">-2000</fisi:PaymentForRepurchaseOfSeriesBOneEightPointFourEightPercentPreferredStock>
  <fisi:PaymentForRepurchaseOfSeriesBOneEightPointFourEightPercentPreferredStock contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_StatementEquityComponentsAxis_us-gaap_PreferredStockMember" unitRef="Unit12" decimals="-3">-128000</fisi:PaymentForRepurchaseOfSeriesBOneEightPointFourEightPercentPreferredStock>
  <fisi:PaymentForRepurchaseOfSeriesBOneEightPointFourEightPercentPreferredStock contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">-2000</fisi:PaymentForRepurchaseOfSeriesBOneEightPointFourEightPercentPreferredStock>
  <fisi:PaymentForRepurchaseOfSeriesBOneEightPointFourEightPercentPreferredStock contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementEquityComponentsAxis_us-gaap_PreferredStockMember" unitRef="Unit12" decimals="-3">-2000</fisi:PaymentForRepurchaseOfSeriesBOneEightPointFourEightPercentPreferredStock>
  <fisi:PortfolioManagementControlledPercentage contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis_fisi_InvestmentFirmOneMember" unitRef="Unit14" decimals="2">0.57</fisi:PortfolioManagementControlledPercentage>
  <fisi:PortfolioManagementControlledPercentage contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis_fisi_InvestmentFirmTwoMember" unitRef="Unit14" decimals="2">0.39</fisi:PortfolioManagementControlledPercentage>
  <fisi:PortfolioManagementControlledPercentage contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis_us-gaap_PensionPlansDefinedBenefitMember" unitRef="Unit14" decimals="2">0.04</fisi:PortfolioManagementControlledPercentage>
  <fisi:PortfolioManagementControlledPercentage contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis_fisi_InvestmentFirmOneMember" unitRef="Unit14" decimals="2">0.58</fisi:PortfolioManagementControlledPercentage>
  <fisi:PortfolioManagementControlledPercentage contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis_fisi_InvestmentFirmTwoMember" unitRef="Unit14" decimals="2">0.38</fisi:PortfolioManagementControlledPercentage>
  <fisi:PortfolioManagementControlledPercentage contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis_us-gaap_PensionPlansDefinedBenefitMember" unitRef="Unit14" decimals="2">0.04</fisi:PortfolioManagementControlledPercentage>
  <fisi:RepurchaseOfSeriesThreePercentagePreferredStock contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">-1000</fisi:RepurchaseOfSeriesThreePercentagePreferredStock>
  <fisi:RepurchaseOfSeriesThreePercentagePreferredStock contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_StatementEquityComponentsAxis_us-gaap_PreferredStockMember" unitRef="Unit12" decimals="-3">-1000</fisi:RepurchaseOfSeriesThreePercentagePreferredStock>
  <fisi:ResidentialRealEstateMortgagesServicedForOthers contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-5">215200000</fisi:ResidentialRealEstateMortgagesServicedForOthers>
  <fisi:ResidentialRealEstateMortgagesServicedForOthers contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-5">196000000</fisi:ResidentialRealEstateMortgagesServicedForOthers>
  <fisi:RetailLoanPortfolioCategorizedByPaymentStatusTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="31%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="29%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Residential&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Home&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Equity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Indirect&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Performing&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;96,977&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;401,729&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;651,027&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,340&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Non-performing&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,325&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;758&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,467&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;21&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;98,302&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;402,487&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;652,494&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,361&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="9"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Performing&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;99,047&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;379,311&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;635,188&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20,896&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Non-performing&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,194&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;463&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,169&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;100,241&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;379,774&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;636,357&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20,915&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</fisi:RetailLoanPortfolioCategorizedByPaymentStatusTableTextBlock>
  <fisi:SecuritiesTransferredFromAvailableForSaleToHeldToMaturity contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">227330000</fisi:SecuritiesTransferredFromAvailableForSaleToHeldToMaturity>
  <fisi:SecuritiesTransferredFromAvailableForSaleToHeldToMaturity contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">12802000</fisi:SecuritiesTransferredFromAvailableForSaleToHeldToMaturity>
  <fisi:SecuritiesTransferredFromAvailableForSaleToHeldToMaturity contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">165238000</fisi:SecuritiesTransferredFromAvailableForSaleToHeldToMaturity>
  <fisi:SecuritiesTransferredFromAvailableForSaleToHeldToMaturityAtFairValue contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-5">12800000</fisi:SecuritiesTransferredFromAvailableForSaleToHeldToMaturityAtFairValue>
  <fisi:SecuritiesTransferredFromAvailableForSaleToHeldToMaturityAtFairValue contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-5">165200000</fisi:SecuritiesTransferredFromAvailableForSaleToHeldToMaturityAtFairValue>
  <fisi:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageCurrentFiscalYearEnd contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementScenarioAxis_fisi_EarningsPerSharePerformanceRequirementMember" unitRef="Unit14" decimals="2">0.30</fisi:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageCurrentFiscalYearEnd>
  <fisi:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageDateOfGrant contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_AwardTypeAxis_us-gaap_RestrictedStockMember" unitRef="Unit14" decimals="2">0.50</fisi:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageDateOfGrant>
  <fisi:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageOneYearFromDateOfGrant contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_AwardTypeAxis_us-gaap_RestrictedStockMember" unitRef="Unit14" decimals="2">0.50</fisi:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageOneYearFromDateOfGrant>
  <fisi:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageThreeYearPerformancePeriod contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementScenarioAxis_fisi_RelativeTotalShareholderReturnPerformanceRequirementMember" unitRef="Unit14" decimals="2">0.70</fisi:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageThreeYearPerformancePeriod>
  <fisi:ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationPeriod contextRef="Duration_1_1_2015_To_12_31_2015">P10Y</fisi:ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationPeriod>
  <fisi:SummaryOfDepositsTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="47%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="38%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Noninterest-bearing demand&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;641,972&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;571,260&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Interest-bearing demand&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;523,366&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;490,190&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Savings and money market&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;928,175&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;795,835&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Time deposits, due:&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Within one year&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;450,885&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;395,956&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;One to two years&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;97,059&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;122,819&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Two to three years&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;46,545&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11,448&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Three to five years&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;42,482&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;62,991&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Thereafter&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;47&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;28&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total time deposits&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;637,018&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;593,242&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total deposits&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,730,531&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,450,527&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</fisi:SummaryOfDepositsTableTextBlock>
  <fisi:TangibleCapitalRequiredToBeWellCapitalized contextRef="As_Of_12_31_2015_dei_LegalEntityAxis_fisi_BankMember" unitRef="Unit12" decimals="-3">150180000</fisi:TangibleCapitalRequiredToBeWellCapitalized>
  <fisi:TangibleCapitalRequiredToBeWellCapitalized contextRef="As_Of_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">150705000</fisi:TangibleCapitalRequiredToBeWellCapitalized>
  <fisi:TangibleCapitalRequiredToBeWellCapitalizedToTangibleAssets contextRef="As_Of_12_31_2015_dei_LegalEntityAxis_fisi_BankMember" unitRef="Unit14" decimals="4">0.0650</fisi:TangibleCapitalRequiredToBeWellCapitalizedToTangibleAssets>
  <fisi:TangibleCapitalRequiredToBeWellCapitalizedToTangibleAssets contextRef="As_Of_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit14" decimals="4">0.0650</fisi:TangibleCapitalRequiredToBeWellCapitalizedToTangibleAssets>
  <fisi:TargetAllocationPercentageOfPlanAssetsAndWeightedAverageExpectedRateOfReturnTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="32%"&gt; &lt;/td&gt;
&lt;td width="20%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Percentage of Plan Assets&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Expected&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 2px;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Target&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="3" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;at December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Long-term&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Allocation&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Rate of Return&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Asset category:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash equivalents&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;0&lt;/font&gt;&lt;/font&gt;&amp;#8211; &lt;font class="_mt"&gt;20&lt;/font&gt;%&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt; &lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5.2&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8.7&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;0.16&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Equity securities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;40&lt;/font&gt;&lt;/font&gt;&amp;#8211; &lt;font class="_mt"&gt;60&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt; &lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;47.2&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48.2&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.97&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fixed income securities&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;40&lt;/font&gt;&lt;/font&gt;&amp;#8211; &lt;font class="_mt"&gt;60&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt; &lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;43.9&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;43.1&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2.01&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other financial instruments&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;0&lt;/font&gt;&lt;/font&gt;&amp;#8211; &lt;font class="_mt"&gt;5&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt; &lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.7&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;0.28&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</fisi:TargetAllocationPercentageOfPlanAssetsAndWeightedAverageExpectedRateOfReturnTableTextBlock>
  <fisi:TreasuryStockPolicyPolicyTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(o.) Treasury Stock&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

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  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax contextRef="As_Of_12_31_2012" unitRef="Unit12" decimals="-3">3253000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
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  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">-11327000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
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&lt;tr&gt;&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="6%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Residential&lt;/font&gt;&lt;/b&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Home&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Business&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Equity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Indirect&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="15%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="15%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Allowance for loan losses:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Beginning balance&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,621&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,122&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;570&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,485&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11,383&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;456&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;27,637&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Charge-offs&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,433&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(895&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(175&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(421&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(9,156&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(878&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(12,958&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Recoveries&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;212&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;146&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;82&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;63&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,200&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;322&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,025&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Provision (credit)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,140&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,654&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(13&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;101&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,031&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;468&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,381&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Ending balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,540&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,027&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;464&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,228&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,458&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;368&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;27,085&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Evaluated for impairment:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Individually&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;996&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,006&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collectively&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,544&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,017&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;464&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,228&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,458&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;368&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;26,079&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="99%" colspan="22"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="15%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Loans:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Ending balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;313,475&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;567,481&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;98,302&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;402,487&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;652,494&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,361&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,052,600&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Evaluated for impairment:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Individually&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,922&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;947&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,869&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collectively&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;309,553&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;566,534&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;98,302&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;402,487&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;652,494&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,361&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,047,731&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="99%" colspan="22"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="15%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="15%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Allowance for loan losses:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Beginning balance&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,273&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,743&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;676&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,367&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,230&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;447&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;26,736&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Charge-offs&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(204&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(304&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(190&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(340&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(10,004&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(972&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(12,014&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Recoveries&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;201&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;143&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;39&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;56&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,321&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;366&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,126&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Provision&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,351&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;540&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;45&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;402&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,836&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;615&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,789&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Ending balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,621&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,122&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;570&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,485&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11,383&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;456&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;27,637&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Evaluated for impairment:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Individually&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,556&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;911&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,467&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collectively&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,065&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,211&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;570&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,485&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11,383&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;456&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,170&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="99%" colspan="22"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="15%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Loans:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Ending balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;267,377&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;476,407&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;100,241&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;379,774&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;636,357&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20,915&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,881,071&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Evaluated for impairment:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Individually&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,288&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,020&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,308&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collectively&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;263,089&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;473,387&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;100,241&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;379,774&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;636,357&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20,915&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,873,763&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="6%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Residential&lt;/font&gt;&lt;/b&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Home&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Business&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Equity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Indirect&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="15%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="15%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Allowance for loan losses:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Beginning balance&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,884&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,581&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;740&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,282&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,715&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;512&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;24,714&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Charge-offs&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,070&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(553&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(411&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(391&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(8,125&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(928&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(11,478&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="15%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Recoveries&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;349&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;319&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;54&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;157&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,161&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;381&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,421&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Provision&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;110&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,396&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;293&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;319&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,479&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;482&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,079&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Ending balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,273&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,743&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;676&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,367&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,230&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;447&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;26,736&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Evaluated for impairment:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Individually&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;201&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,057&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,258&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collectively&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,072&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,686&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;676&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,367&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,230&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;447&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,478&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="99%" colspan="22"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="15%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Loans:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Ending balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;265,751&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;470,312&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;113,101&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;320,658&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;609,390&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;22,893&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,802,105&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Evaluated for impairment:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Individually&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,474&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,663&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,137&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="15%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collectively&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;262,277&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;460,649&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;113,101&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;320,658&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;609,390&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;22,893&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,788,968&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock>
  <us-gaap:AmortizationOfIntangibleAssets contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_us-gaap_CoreDepositsMember" unitRef="Unit12" decimals="-3">387000</us-gaap:AmortizationOfIntangibleAssets>
  <us-gaap:AmortizationOfIntangibleAssets contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_us-gaap_CoreDepositsMember" unitRef="Unit12" decimals="-3">341000</us-gaap:AmortizationOfIntangibleAssets>
  <us-gaap:AmortizationOfIntangibleAssets contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_us-gaap_OtherIntangibleAssetsMember" unitRef="Unit12" decimals="-3">279000</us-gaap:AmortizationOfIntangibleAssets>
  <us-gaap:AmortizationOfIntangibleAssets contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_us-gaap_OtherIntangibleAssetsMember" unitRef="Unit12" decimals="-3">0</us-gaap:AmortizationOfIntangibleAssets>
  <us-gaap:AmortizationOfMortgageServicingRightsMSRs contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">-435000</us-gaap:AmortizationOfMortgageServicingRightsMSRs>
  <us-gaap:AmortizationOfMortgageServicingRightsMSRs contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">-316000</us-gaap:AmortizationOfMortgageServicingRightsMSRs>
  <us-gaap:AmortizationOfMortgageServicingRightsMSRs contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">-276000</us-gaap:AmortizationOfMortgageServicingRightsMSRs>
  <us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit1" decimals="-3">124000</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
  <us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_us-gaap_EmployeeStockOptionMember" unitRef="Unit1" decimals="-3">122000</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
  <us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_us-gaap_RestrictedStockMember" unitRef="Unit1" decimals="-3">2000</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
  <us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit1" decimals="-3">4000</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
  <us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_us-gaap_EmployeeStockOptionMember" unitRef="Unit1" decimals="-3">3000</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
  <us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_us-gaap_RestrictedStockMember" unitRef="Unit1" decimals="-3">1000</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
  <us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit1" decimals="-3">1000</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
  <us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_us-gaap_RestrictedStockMember" unitRef="Unit1" decimals="-3">1000</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
  <us-gaap:Assets contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">3089521000</us-gaap:Assets>
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  <us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1 contextRef="As_Of_12_31_2014" unitRef="Unit13" decimals="0">122</us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1>
  <us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1 contextRef="As_Of_12_31_2015" unitRef="Unit13" decimals="0">152</us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1>
  <us-gaap:AvailableForSaleSecuritiesPledgedAsCollateral contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-5">768600000</us-gaap:AvailableForSaleSecuritiesPledgedAsCollateral>
  <us-gaap:AvailableForSaleSecuritiesPledgedAsCollateral contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-5">781700000</us-gaap:AvailableForSaleSecuritiesPledgedAsCollateral>
  <us-gaap:BankOwnedLifeInsurance contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">61004000</us-gaap:BankOwnedLifeInsurance>
  <us-gaap:BankOwnedLifeInsurance contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">63045000</us-gaap:BankOwnedLifeInsurance>
  <us-gaap:BankOwnedLifeInsuranceIncome contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">1706000</us-gaap:BankOwnedLifeInsuranceIncome>
  <us-gaap:BankOwnedLifeInsuranceIncome contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">1753000</us-gaap:BankOwnedLifeInsuranceIncome>
  <us-gaap:BankOwnedLifeInsuranceIncome contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">1962000</us-gaap:BankOwnedLifeInsuranceIncome>
  <us-gaap:BasisOfPresentationAndSignificantAccountingPoliciesTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(1.) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Financial Institutions, Inc. (individually referred to herein as the "Parent Company" and together with all of its subsidiaries, collectively referred to herein as the "Company") is a financial holding company organized in 1931 under the laws of New York State ("New York"). At December 31, 2015, the Company conducted its business through its two subsidiaries: Five Star Bank (the "Bank"), a New York chartered bank; and Scott Danahy Naylon, LLC ("SDN"), a full service insurance agency. The Company provides a full range of banking and related financial services to consumer, commercial and municipal customers through its bank and nonbank subsidiaries.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The accounting and reporting policies conform to general practices within the banking industry and to U.S. generally accepted accounting principles ("GAAP").&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company has evaluated events and transactions for potential recognition or disclosure through the day the financial statements were issued. Other than completing the acquisition of Courier Capital Corporation ("Courier"), as described below, the Company did not have any material recognizable subsequent events.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;On January 5, 2016, the Company completed its acquisition of Courier, a leading SEC-registered investment advisory and wealth management firm based in western New York, with operations in Buffalo and Jamestown. Courier will operate as a subsidiary of Financial Institutions, Inc. and an affiliate of the Bank and SDN.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The following is a description of the Company's significant accounting policies.&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(a.) Principles of Consolidation&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The consolidated financial statements include the accounts of the Company and its subsidiaries. All significant intercompany accounts and transactions have been eliminated in consolidation.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(b.) Use of Estimates&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;In preparing the consolidated financial statements in conformity with GAAP, management is required to make estimates and assumptions that affect the reported amount of assets and liabilities as of the date of the statement of financial condition and reported amounts of revenue and expenses during the reporting period. Material estimates relate to the determination of the allowance for loan losses, the carrying value of goodwill and deferred tax assets, and assumptions used in the defined benefit pension plan accounting. These estimates and assumptions are based on management's best estimates and judgment and are evaluated on an ongoing basis using historical experience and other factors, including the current economic environment. The Company adjusts these estimates and assumptions when facts and circumstances dictate. As future events cannot be determined with precision, actual results could differ significantly from the Company's estimates.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(c.) Cash Flow Reporting&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash and cash equivalents include cash and due from banks, federal funds sold and interest-bearing deposits in other banks. Net cash flows are reported for loans, deposit transactions and short-term borrowings.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Supplemental cash flow information is summarized as follows for the years ended December 31 (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="51%"&gt; &lt;/td&gt;
&lt;td style="width: 15%; border-bottom: rgb(0,0,0) 1px solid;" width="15%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td style="width: 15%; border-bottom: rgb(0,0,0) 1px solid;" width="14%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 15%; border-bottom: rgb(0,0,0) 1px solid;" width="14%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash payments:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,323&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,826&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,750&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,494&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,665&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,095&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Noncash investing and financing activities:&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Real estate and other assets acquired in settlement of loans&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;374&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;394&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;726&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Accrued and declared unpaid dividends&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,185&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,177&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,981&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(Decrease) increase in net unsettled security purchases&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(478&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;568&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(51,112&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Securities transferred from available for sale to held to maturity&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;165,238&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,802&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;227,330&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans transferred from held for sale to held for investment&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;853&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,727&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Common stock issued for acquisition&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,400&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Assets acquired and liabilities assumed in business combinations:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans and other non-cash assets, excluding goodwill and core&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;deposit intangible asset&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,007&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Deposits and other liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,112&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(d.) Investment Securities&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Investment securities are classified as either available for sale or held to maturity. Debt securities that management has the positive intent and ability to hold to maturity are classified as held to maturity and are recorded at amortized cost. Other investment securities are classified as available for sale and recorded at fair value, with unrealized gains and losses excluded from earnings and reported as a component of comprehensive income and shareholders' equity.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Securities are evaluated periodically to determine whether a decline in their fair value is other than temporary. Management utilizes criteria such as, the current intent to hold or sell the security, the magnitude and duration of the decline and, when appropriate, consideration of negative changes in expected cash flows, creditworthiness, near term prospects of issuers, the level of credit subordination, estimated loss severity, and delinquencies, to determine whether a loss in value is other than temporary. The term "other than temporary" is not intended to indicate that the decline is permanent, but indicates that the prospect for a near-term recovery of value is not necessarily favorable. Declines in the fair value of investment securities below their cost that are deemed to be other than temporary are reflected in earnings as realized losses to the extent the impairment is related to credit issues or concerns, or the security is intended to be sold. The amount of impairment related to non-credit related factors is recognized in other comprehensive income. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(e.) Loans Held for Sale and Loan Servicing Rights&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company generally makes the determination of whether to identify a mortgage as held for sale at the time the loan is closed based on the Company's intent and ability to hold the loan. Loans held for sale are recorded at the lower of cost or market computed on the aggregate portfolio basis. The amount, by which cost exceeds market value, if any, is accounted for as a valuation allowance with changes included in the determination of results of operations for the period in which the change occurs. The amount of loan origination costs and fees are deferred at origination and recognized as part of the gain or loss on sale of the loans, determined using the specific identification method, in the consolidated statements of income.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company originates and sells certain residential real estate loans in the secondary market. The Company typically retains the right to service the mortgages upon sale. Mortgage-servicing rights ("MSRs") represent the cost of acquiring the contractual rights to service loans for others. MSRs are recorded at their fair value at the time a loan is sold and servicing rights are retained. MSRs are reported in other assets in the consolidated statements of financial position and are amortized to noninterest income in the consolidated statements of income in proportion to and over the period of estimated net servicing income. The Company uses a valuation model that calculates the present value of future cash flows to determine the fair value of servicing rights. In using this valuation method, the Company incorporates assumptions to estimate future net servicing income, which include estimates of the cost to service the loan, the discount rate, an inflation rate and prepayment speeds. On a quarterly basis, the Company evaluates its MSRs for impairment and charges any such impairment to current period earnings. In order to evaluate its MSRs the Company stratifies the related mortgage loans on the basis of their predominant risk characteristics, such as interest rates, year of origination and term, using discounted cash flows and market-based assumptions. Impairment of MSRs is recognized through a valuation allowance, determined by estimating the fair value of each stratum and comparing it to its carrying value. Subsequent increases in fair value are adjusted through the valuation allowance, but only to the extent of the valuation allowance.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage loan servicing includes collecting monthly mortgagor payments, forwarding payments and related accounting reports to investors, collecting escrow deposits for the payment of mortgagor property taxes and insurance, paying taxes and insurance from escrow funds when due and administrating foreclosure actions when necessary. Loan servicing income (a component of noninterest income in the consolidated statements of income) consists of fees earned for servicing mortgage loans sold to third parties, net of amortization expense and impairment losses associated with capitalized mortgage servicing assets&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(f.) Loans&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans are classified as held for investment when management has both the intent and ability to hold the loan for the foreseeable future, or until maturity or payoff. Loans are carried at the principal amount outstanding, net of any unearned income and unamortized deferred fees and costs on originated loans. Loan origination fees and certain direct loan origination costs are deferred, and the net amount is amortized into net interest income over the contractual life of the related loans or over the commitment period as an adjustment of yield. Interest income on loans is based on the principal balance outstanding computed using the effective interest method.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;A loan is considered delinquent when a payment has not been received in accordance with the contractual terms. The accrual of interest income for commercial loans is discontinued when there is a clear indication that the borrower's cash flow may not be sufficient to meet payments as they become due, while the accrual of interest income for retail loans is discontinued when loans reach specific delinquency levels. Loans are generally placed on nonaccrual status when contractually past due&amp;nbsp;&lt;font class="_mt"&gt;90&lt;/font&gt; days or more as to interest or principal payments, unless the loan is well secured and in the process of collection. Additionally, if management becomes aware of facts or circumstances that may adversely impact the collectability of principal or interest on loans, it is management's practice to place such loans on a nonaccrual status immediately, rather than delaying such action until the loans become 90 days past due. When a loan is placed on nonaccrual status, previously accrued and uncollected interest is reversed, amortization of related deferred loan fees or costs is suspended, and income is recorded only to the extent that interest payments are subsequently received in cash and a determination has been made that the principal balance of the loan is collectible. If collectability of the principal is in doubt, payments received are applied to loan principal. A nonaccrual loan may be returned to accrual status when all delinquent principal and interest payments become current in accordance with the terms of the loan agreement, the borrower has demonstrated a period of sustained performance (generally a minimum of&amp;nbsp;&lt;font class="_mt"&gt;six&lt;/font&gt; months) and the ultimate collectability of the total contractual principal and interest is no longer in doubt.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company's loan policy dictates the guidelines to be followed in determining when a loan is charged-off. All charge offs are approved by the Bank's senior loan officers or loan committees, depending on the amount of the charge off, and are reported in aggregate to the Bank's Board of Directors. Commercial business and commercial mortgage loans are charged-off when a determination is made that the financial condition of the borrower indicates that the loan will not be collectible in the ordinary course of business. Residential mortgage loans and home equities are generally charged-off or written down when the credit becomes severely delinquent and the balance exceeds the fair value of the property less costs to sell. Indirect and other consumer loans, both secured and unsecured, are generally charged-off in full during the month in which the loan becomes&amp;nbsp;&lt;font class="_mt"&gt;120&lt;/font&gt; days past due, unless the collateral is in the process of repossession in accordance with the Company's policy.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;A loan is accounted for as a troubled debt restructuring if the Company, for economic or legal reasons related to the borrower's financial condition, grants a significant concession to the borrower that it would not otherwise consider. A troubled debt restructuring may involve the receipt of assets from the debtor in partial or full satisfaction of the loan, or a modification of terms such as a reduction of the stated interest rate or face amount of the loan, a reduction of accrued interest, an extension of the maturity date at a stated interest rate lower than the current market rate for a new loan with similar risk, or some combination of these concessions. Troubled debt restructurings generally remain on nonaccrual status until there is a sustained period of payment performance (usually six months or longer) and there is a reasonable assurance that the payments will continue. See Allowance for Loan Losses below for further policy discussion and see Note 5 &amp;#8211; Loans for additional information.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(g.) Off-Balance Sheet Financial Instruments&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;In the ordinary course of business, the Company enters into off-balance sheet financial instruments consisting of commitments to extend credit, standby letters of credit and financial guarantees. Such financial instruments are recorded in the consolidated financial statements when they are funded or when related fees are incurred or received. The Company periodically evaluates the credit risks inherent in these commitments and establishes loss allowances for such risks if and when these are deemed necessary.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company recognizes as liabilities the fair value of the obligations undertaken in issuing the guarantees under the standby letters of credit, net of the related amortization at inception. The fair value approximates the unamortized fees received from the customers for issuing the standby letters of credit. The fees are deferred and recognized on a straight-line basis over the commitment period. Standby letters of credit outstanding at December 31, 2015 had original terms ranging from&amp;nbsp;&lt;font class="_mt"&gt;one&lt;/font&gt; to&amp;nbsp;&lt;font class="_mt"&gt;five&lt;/font&gt; years.Fees received for providing loan commitments and letters of credit that result in loans are typically deferred and amortized to interest income over the life of the related loan, beginning with the initial borrowing. Fees on commitments and letters of credit are amortized to other income as banking fees and commissions over the commitment period when funding is not expected.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(h.) Allowance for Loan Losses&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The allowance for loan losses is established through charges to earnings in the form of a provision for loan losses. When a loan or portion of a loan is determined to be uncollectible, the portion deemed uncollectible is charged against the allowance and subsequent recoveries, if any, are credited to the allowance.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The allowance for loan losses is evaluated on a regular basis and is based upon periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower's ability to repay, estimated value of any underlying collateral, and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The allowance consists of specific and general components. Specific allowances are established for impaired loans. Impaired commercial business and commercial mortgage loans are individually evaluated and measured for impairment based on the present value of expected future cash flows discounted at the loan's effective interest rate, a loan's observable market price, or the fair value of the collateral if the loan is collateral dependent. Regardless of the measurement method, impairment is based on the fair value of the collateral when foreclosure is probable. If the recorded investment in impaired loans exceeds the measure of estimated fair value, a specific allowance is established as a component of the allowance for loan losses. Interest payments on impaired loans are typically applied to principal unless collectability of the principal amount is reasonably assured, in which case interest is recognized on a cash basis. Impaired loans, or portions thereof, are charged-off when deemed uncollectible.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered in determining impairment include payment status and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. The Company determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis by either the present value of expected future cash flows discounted at the loan's effective interest rate, the loans obtainable market price, or the fair value of the collateral if the loan is collateral dependent. Large groups of homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and residential loans for impairment disclosures unless the loan has been subject to a troubled debt restructure. At December 31, 2015, there were&amp;nbsp;&lt;font class="_mt"&gt;no&lt;/font&gt; commitments to lend additional funds to those borrowers whose loans were classified as impaired.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;General allowances are established for loan losses on a portfolio basis for loans that do not meet the definition of impaired. The portfolio is grouped into similar risk characteristics, primarily loan type. The Company applies an estimated loss rate, which considers both look-back and loss emergence periods, to each loan group. The loss rate is based on historical experience, with look-back periods that range from&amp;nbsp;&lt;font class="_mt"&gt;24&lt;/font&gt; to&amp;nbsp;&lt;font class="_mt"&gt;48&lt;/font&gt; months depending on the loan type, and as a result can differ from actual losses incurred in the future. The historical loss rate is adjusted by the loss emergence periods that range from&amp;nbsp;&lt;font class="_mt"&gt;12&lt;/font&gt; to&amp;nbsp;&lt;font class="_mt"&gt;24&lt;/font&gt; months depending on the loan type and for qualitative factors such as; levels and trends of delinquent and non-accruing loans, trends in volume and terms, effects of changes in lending policy, the experience, ability and depth of management, national and local economic trends and conditions, concentrations of credit risk, interest rates, highly leveraged borrowers, information risk and collateral risk. The qualitative factors are reviewed at least quarterly and adjustments are made as needed.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;While management evaluates currently available information in establishing the allowance for loan losses, future adjustments to the allowance may be necessary if conditions differ substantially from the assumptions used in making the evaluations. In addition, various regulatory agencies, as an integral part of their examination process, periodically review a financial institution's allowance for loan losses. Such agencies may require the financial institution to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(i.) Other Real Estate Owned&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other real estate owned consists of properties acquired through foreclosure or by acceptance of a deed in lieu of foreclosure. These assets are recorded at the lower of fair value of the asset acquired less estimated costs to sell or "cost" (defined as the fair value at initial foreclosure). At the time of foreclosure, or when foreclosure occurs in-substance, the excess, if any, of the loan over the fair market value of the assets received, less estimated selling costs, is charged to the allowance for loan losses and any subsequent valuation write-downs are charged to other expense. In connection with the determination of the allowance for loan losses and the valuation of other real estate owned, management obtains appraisals for properties. Operating costs associated with the properties are charged to expense as incurred. Gains on the sale of other real estate owned are included in income when title has passed and the sale has met the minimum down payment requirements prescribed by GAAP. The balance of other real estate owned was $&lt;font class="_mt"&gt;163&lt;/font&gt; thousand and $&lt;font class="_mt"&gt;194&lt;/font&gt; thousand at December 31, 2015 and 2014, respectively.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(j.) Company Owned Life Insurance&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company holds life insurance policies on certain current and former employees. The Company is the owner and beneficiary of the policies. The cash surrender value of these policies is included as an asset on the consolidated statements of financial condition, and any increase in cash surrender value is recorded as noninterest income on the consolidated statements of income. In the event of the death of an insured individual under these policies, the Company would receive a death benefit which would be recorded as noninterest income.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(k.) Premises and Equipment&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Premises and equipment are stated at cost, less accumulated depreciation and amortization. Depreciation is computed on the straight-line method over the estimated useful lives of the assets. The Company generally amortizes buildings and building improvements over a period of&amp;nbsp;&lt;font class="_mt"&gt;15&lt;/font&gt; to&amp;nbsp;&lt;font class="_mt"&gt;39&lt;/font&gt; years and software, furniture and equipment over a period of&amp;nbsp;&lt;font class="_mt"&gt;3&lt;/font&gt; to&amp;nbsp;&lt;font class="_mt"&gt;10&lt;/font&gt; years. Leasehold improvements are amortized over the shorter of the lease term or the useful life of the improvements. Premises and equipment are periodically reviewed for impairment or when circumstances present indicators of impairment.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(l.) Goodwill and Other Intangible Assets&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The excess of the cost of an acquisition over the fair value of the net assets acquired consists primarily of goodwill, core deposit intangibles, and other identifiable intangible assets. Intangible assets are acquired assets that lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract, asset, or liability. The Company's intangible assets consist of core deposits and other intangible assets (primarily customer relationships). Core deposit intangible assets are amortized on an accelerated basis over their estimated life of approximately&amp;nbsp;&lt;font class="_mt"&gt;nine&lt;/font&gt; and a half years. Other intangible assets are amortized on an accelerated basis over their weighted average estimated life of approximately&amp;nbsp;&lt;font class="_mt"&gt;twenty&lt;/font&gt; years. The Company reviews long-lived assets and certain identifiable intangibles for impairment at least annually, or whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable, in which case an impairment charge would be recorded.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Goodwill is not amortized but, instead, is subject to impairment tests on at least an annual basis, and more frequently if an event occurs or circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying amount. The impairment testing process is conducted by assigning net assets and goodwill to each reporting unit. An initial qualitative evaluation is made to assess the likelihood of impairment and determine whether further quantitative testing to calculate the fair value is necessary. When the qualitative evaluation indicates that impairment is more likely than not, quantitative testing is required whereby the fair value of each reporting unit is calculated and compared to the recorded book value, "Step 1." If the calculated fair value of the reporting unit exceeds its carrying value, goodwill is not considered impaired and "Step 2" is not considered necessary. If the carrying value of a reporting unit exceeds its calculated fair value, the impairment test continues ("Step 2") by comparing the carrying value of the reporting unit's goodwill to the implied fair value of goodwill. The implied fair value is computed by adjusting all assets and liabilities of the reporting unit to current fair value with the offset adjustment to goodwill. The adjusted goodwill balance is the implied fair value of the goodwill. An impairment charge is recognized if the carrying value of goodwill exceeds the implied fair value of goodwill. See Note 7 for additional information on goodwill and other intangible assets.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(m.)Federal Home Loan Bank ("FHLB") and Federal Reserve Bank ("FRB") Stock&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The non-marketable investments in FHLB and FRB stock are included in other assets in the consolidated statements of financial condition at par value or cost and are periodically reviewed for impairment. The dividends received relative to these investments are included in other noninterest income in the consolidated statements of income.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;As a member of the FHLB system, the Company is required to maintain a specified investment in FHLB of New York ("FHLBNY") stock in proportion to its volume of certain transactions with the FHLB. FHLBNY stock totaled $&lt;font class="_mt"&gt;15.1&lt;/font&gt; million as of December 31, 2015 and 2014.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;As a member of the FRB system, the Company is required to maintain a specified investment in FRB stock based on a ratio relative to the Company's capital. FRB stock totaled $&lt;font class="_mt"&gt;4.9&lt;/font&gt; million and $&lt;font class="_mt"&gt;3.9&lt;/font&gt; million as of December 31, 2015 and 2014, respectively.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(n.) Equity Method Investments&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company has investments in limited partnerships, primarily Small Business Investment Companies, and accounts for these investments under the equity method. These investments are included in other assets in the consolidated statements of financial condition and totaled $&lt;font class="_mt"&gt;5.0&lt;/font&gt; million and $&lt;font class="_mt"&gt;4.9&lt;/font&gt; million as of December 31, 2015 and 2014, respectively.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(o.) Treasury Stock&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Acquisitions of treasury stock are recorded at cost. The reissuance of shares in treasury is recorded at weighted-average cost.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(p.) Employee Benefits&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company maintains an employer sponsored 401(k) plan where participants may make contributions in the form of salary deferrals and the Company provides matching contributions in accordance with the terms of the plan. Contributions due under the terms of our defined contribution plans are accrued as earned by employees.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company also participates in a non-contributory defined benefit pension plan for certain employees who previously met participation requirements. The Company also provides post-retirement benefits, principally health and dental care, to employees of a previously acquired entity. The Company has closed the pension and post-retirement plans to new participants. The actuarially determined pension benefit is based on years of service and the employee's highest average compensation during&amp;nbsp;&lt;font class="_mt"&gt;five&lt;/font&gt; consecutive years of employment. The Company's policy is to at least fund the minimum amount required by the Employment Retirement Income Security Act of 1974. The cost of the pension and post-retirement plans are based on actuarial computations of current and future benefits for employees, and is charged to noninterest expense in the consolidated statements of income.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company recognizes an asset or a liability for a plans' overfunded status or underfunded status, respectively, in the consolidated financial statements and reports changes in the funded status as a component of other comprehensive income, net of applicable taxes, in the year in which changes occur.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Effective January 1, 2016, the &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#080709" size="2"&gt;Company's &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;401(k) plan was amended and the Company's matching contribution was discontinued. Concurrent with the 401(k) plan amendment, the &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#080709" size="2"&gt;Company's &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;defined benefit pension plan was amended to &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#080709" size="2"&gt;modify the current benefit formula to reflect the discontinuance of the matching contribution in the 401(k) plan, to open the &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;defined benefit pension plan &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#080709" size="2"&gt;up to eligible employees who were hired on and after January 1, 2007, and provide those new participants with a cash balance benefit formula.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(q.) Share-Based Compensation Plans&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Compensation expense for stock options and restricted stock awards is based on the fair value of the award on the measurement date, which, for the Company, is the date of grant and is recognized ratably over the service period of the award. The fair value of stock options is estimated using the Black-Scholes option-pricing model. The fair value of restricted stock awards is generally the market price of the Company's stock on the date of grant.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Share-based compensation expense is included in the consolidated statements of income under salaries and employee benefits for awards granted to management and in other noninterest expense for awards granted to directors.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(r.) Income Taxes&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income taxes are accounted for using the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates in effect for the year in which those temporary differences are expected to be recovered or settled. The effect of a change in tax rates on deferred tax assets and liabilities is recognized in income in the period that includes the enactment date. A valuation allowance is recognized on deferred tax assets if, based upon the weight of available evidence, it is more likely than not that some or all of the assets may not be realized. The Company recognizes interest and/or penalties related to income tax matters in income tax expense.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(s.) Comprehensive Income&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Comprehensive income includes all changes in shareholders' equity during a period, except those resulting from transactions with shareholders. In addition to net income, other components of the Company's comprehensive income include the after tax effect of changes in net unrealized gain / loss on securities available for sale and changes in net actuarial gain / loss on defined benefit post-retirement plans. Comprehensive income is reported in the accompanying consolidated statements of changes in shareholders' equity and consolidated statements of comprehensive income. See Note 13 - Accumulated Other Comprehensive Income (Loss) for additional information.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(t.) Earnings Per Common Share&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company calculates earnings per common share ("EPS") using the two-class method in accordance with &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#010202" size="2"&gt;Financial Accounting Standards Board ("FASB") Accounting Standards Codification ("ASC") Topic 260, "Earnings Per Share". &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The two-class method requires the Company to present EPS as if all of the earnings for the period are distributed to common shareholders and any participating securities, regardless of whether any actual dividends or distributions are made. All outstanding unvested share-based payment awards that contain rights to nonforfeitable dividends are considered participating securities.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Basic EPS is computed by dividing distributed and undistributed earnings available to common shareholders by the weighted average number of common shares outstanding for the period. Distributed and undistributed earnings available to common shareholders represent net income reduced by preferred stock dividends and distributed and undistributed earnings available to participating securities. Common shares outstanding include common stock and vested restricted stock awards. Diluted EPS reflects the assumed conversion of all potential dilutive securities. &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#010202" size="2"&gt;A reconciliation of the weighted-average shares used in calculating basic earnings per common share and the weighted average common shares used in calculating diluted earnings per common share for the reported periods is provided in Note 16 - Earnings Per Common Share.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(u.) Reclassifications&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Certain items in prior financial statements have been reclassified to conform to the current presentation.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(v.) Recent Accounting Pronouncements&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;In May 2014, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") No. 2014-09, &lt;/font&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" size="2"&gt;Revenue from Contracts with Customers (Topic 606). &lt;/font&gt;&lt;/i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;ASU 2014-09 implements a common revenue standard that clarifies the principles for recognizing revenue. The core principle of ASU 2014-09 is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. To achieve that core principle, an entity should apply the following steps: (i) identify the contract(s) with a customer, (ii) identify the performance obligations in the contract, (iii) determine the transaction price, (iv) allocate the transaction price to the performance obligations in the contract and (v) recognize revenue when (or as) the entity satisfies a performance obligation. The effective date was recently deferred for one year to the interim and annual periods beginning on or after December 15, 2017. Early adoption is permitted as of the original effective date &amp;#8211; interim and annual periods beginning on or after December 15, 2016. The Company is evaluating the potential impact of ASU 2014-09 on the Company's financial statements.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;In June 2014, the FASB issued ASU 2014-12, &lt;/font&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" size="2"&gt;Compensation&amp;#8212;Stock Compensation (Topic 718)&lt;/font&gt;&lt;/i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;. The pronouncement was issued to clarify the accounting for share-based payments when the terms of an award provide that a performance target could be achieved after the requisite service period. ASU 2014-12 is effective for the Company beginning January 1, 2016, though early adoption is permitted. The adoption of ASU 2014-12 is not expected to have a significant impact on the Company's financial statements.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;In January 2015, the FASB issued ASU 2015-01, &lt;/font&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" size="2"&gt;Income Statement - Extraordinary and Unusual Items (Subtopic 225-20) &amp;#8211;Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items&lt;/font&gt;&lt;/i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;. ASU 2015-01 eliminates from U.S. GAAP the concept of extraordinary items, which, among other things, required an entity to segregate extraordinary items considered to be unusual and infrequent from the results of ordinary operations and show the item separately in the income statement, net of tax, after income from continuing operations. ASU 2015-01 is effective for the Company beginning January 1, 2016, though early adoption is permitted. ASU 2015-01 is not expected to have a significant impact on the Company's financial statements.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;In April 2015, the FASB issued ASU 2015-03, &lt;/font&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" size="2"&gt;Simplifying the Presentation of Debt Issuance Costs&lt;/font&gt;&lt;/i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;. Under ASU 2015-03, the Company will present debt issuance costs in the balance sheet as a reduction from the related debt liability rather than as an asset. Amortization of such costs will continue to be reported as interest expense. ASU 2015-03 will be effective for the Company beginning January 1, 2016, though early adoption is permitted. Retrospective adoption is required. The Company early adopted this standard during the quarter ended June 30, 2015, concurrent with the issuance of the Subordinated Notes described in Note 9. Unamortized debt issuance costs of $1.0 million are included in the net balance of long-term borrowings reported on the Consolidated Statements of Financial Condition. Retrospective application of this standard did not impact previously issued financial statements.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:BasisOfPresentationAndSignificantAccountingPoliciesTextBlock>
  <us-gaap:BrokerageCommissionsRevenue contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">2345000</us-gaap:BrokerageCommissionsRevenue>
  <us-gaap:BrokerageCommissionsRevenue contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">2138000</us-gaap:BrokerageCommissionsRevenue>
  <us-gaap:BrokerageCommissionsRevenue contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">2193000</us-gaap:BrokerageCommissionsRevenue>
  <us-gaap:BusinessCombinationConsiderationTransferred1 contextRef="Duration_8_1_2014_To_8_1_2014_us-gaap_BusinessAcquisitionAxis_fisi_ScottDanahyNaylonCo.Inc.Member" unitRef="Unit12" decimals="-3">16727000</us-gaap:BusinessCombinationConsiderationTransferred1>
  <us-gaap:BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">5400000</us-gaap:BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable>
  <us-gaap:BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable contextRef="Duration_8_1_2014_To_8_1_2014_us-gaap_BusinessAcquisitionAxis_fisi_ScottDanahyNaylonCo.Inc.Member" unitRef="Unit12" decimals="-3">5400000</us-gaap:BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable>
  <us-gaap:BusinessCombinationConsiderationTransferredIncludingEquityInterestInAcquireeHeldPriorToCombination1 contextRef="Duration_8_1_2014_To_8_1_2014_us-gaap_BusinessAcquisitionAxis_fisi_ScottDanahyNaylonCo.Inc.Member" unitRef="Unit12" decimals="-5">16900000</us-gaap:BusinessCombinationConsiderationTransferredIncludingEquityInterestInAcquireeHeldPriorToCombination1>
  <us-gaap:BusinessCombinationConsiderationTransferredLiabilitiesIncurred contextRef="Duration_8_1_2014_To_8_1_2014_us-gaap_BusinessAcquisitionAxis_fisi_ScottDanahyNaylonCo.Inc.Member" unitRef="Unit12" decimals="-3">3227000</us-gaap:BusinessCombinationConsiderationTransferredLiabilitiesIncurred>
  <us-gaap:BusinessCombinationContingentConsiderationLiability contextRef="As_Of_12_31_2015_us-gaap_BusinessAcquisitionAxis_fisi_ScottDanahyNaylonCo.Inc.Member" unitRef="Unit12" decimals="-5">2200000</us-gaap:BusinessCombinationContingentConsiderationLiability>
  <us-gaap:BusinessCombinationDisclosureTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(2.) BUSINESS COMBINATIONS&lt;/font&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;SDN Acquisition&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#070707" size="2"&gt;On August 1&lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#2b2b2b" size="2"&gt;, &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#070707" size="2"&gt;2014, the Company completed the acquisition of Scott Danahy Naylon Co., Inc., a full service insurance agency located in Amherst, &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;New York&lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#3c3c3c" size="2"&gt;. &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The acquisition of &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#070707" size="2"&gt;Scott Danahy Naylon Co., Inc. &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;enhances the &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#070707" size="2"&gt;Company&lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;'s ability to offer clients unique, comprehensive solutions to meet their insurance and financial risk management needs. &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#070707" size="2"&gt;Consideration for the acquisition included both cash and stock totaling $&lt;font class="_mt"&gt;16.9&lt;/font&gt; million&lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#2b2b2b" size="2"&gt;, &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#070707" size="2"&gt;including future consideration.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The transaction was accounted for using the acquisition method of accounting and as such, assets acquired, liabilities assumed and consideration exchanged were recorded at their estimated fair value on the acquisition date. Goodwill from the acquisition represents the excess of the purchase price over the fair value of the net tangible and intangible assets acquired and is not deductible for tax purposes. As a result of the acquisition, the Company recorded &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#070707" size="2"&gt;goodwill of $12.6 million and other intangible assets of $6.6 million. &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Goodwill was assigned to the Company's Insurance reporting unit. Total goodwill and other intangible assets from the acquisition are inclusive of contingent earn-out payments based on revenue targets through 2017. &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#070707" size="2"&gt;The estimated fair value of the contingent earn-out liability at the date of acquisition was $3.2 million. &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Since the date of acquisition, valuation adjustments have been made resulting in a contingent earn-out liability of $&lt;font class="_mt"&gt;2.2&lt;/font&gt; million at December 31, 2015. The valuation adjustment is included in other noninterest income in the consolidated statements of income for the year ended December 31, 2015.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;As more fully described in Note 7, the Company recorded a goodwill impairment charge related to the Insurance reporting unit of $&lt;font class="_mt"&gt;751&lt;/font&gt; thousand during the quarter ended December 31, 2015. See Note 7 for additional information on goodwill and other intangible assets.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Pro forma results of operations for this acquisition have not been presented because the effect of this acquisition was not material to the Company's consolidated financial statements. &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#070707" size="2"&gt;The following table summarizes the consideration paid for Scott Danahy Naylon Co., Inc. and the amounts of the assets acquired and liabilities assumed as of the acquisition date.&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="75%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Consideration paid:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,100&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Stock&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,400&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Contingent consideration&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,227&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fair value of total consideration transferred&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;16,727&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td bgcolor="#c6d9f1" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fair value of assets acquired:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;105&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Identified intangible assets&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,640&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Premises and equipment, accounts receivable and other assets&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,094&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total identifiable assets acquired&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,839&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fair value of liabilities assumed:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Deferred tax liability&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,556&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,173&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total liabilities assumed&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,729&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fair value of net assets acquired&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,110&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Goodwill resulting from acquisition&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,617&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

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  <us-gaap:CashEquivalentsAtCarryingValue contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">3780000</us-gaap:CashEquivalentsAtCarryingValue>
  <us-gaap:CashEquivalentsAtCarryingValue contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member" unitRef="Unit12" decimals="-3">35000</us-gaap:CashEquivalentsAtCarryingValue>
  <us-gaap:CashEquivalentsAtCarryingValue contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">3745000</us-gaap:CashEquivalentsAtCarryingValue>
  <us-gaap:CashEquivalentsAtCarryingValue xsi:nil="true" contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <us-gaap:CashEquivalentsAtCarryingValue contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_ForeignExchangeContractMember" unitRef="Unit12" decimals="-3">35000</us-gaap:CashEquivalentsAtCarryingValue>
  <us-gaap:CashEquivalentsAtCarryingValue contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_ShortTermInvestmentsMember" unitRef="Unit12" decimals="-3">3745000</us-gaap:CashEquivalentsAtCarryingValue>
  <us-gaap:CashEquivalentsAtCarryingValue contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_ForeignExchangeContractMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member" unitRef="Unit12" decimals="-3">35000</us-gaap:CashEquivalentsAtCarryingValue>
  <us-gaap:CashEquivalentsAtCarryingValue xsi:nil="true" contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_ForeignExchangeContractMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <us-gaap:CashEquivalentsAtCarryingValue contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_ShortTermInvestmentsMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">3745000</us-gaap:CashEquivalentsAtCarryingValue>
  <us-gaap:CashEquivalentsAtCarryingValue xsi:nil="true" contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_ShortTermInvestmentsMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <us-gaap:CommitmentsAndContingencies xsi:nil="true" contextRef="As_Of_12_31_2014" unitRef="Unit12" />
  <us-gaap:CommitmentsAndContingencies contextRef="As_Of_12_31_2014_us-gaap_FinancialInstrumentAxis_us-gaap_CommitmentsToExtendCreditMember" unitRef="Unit12" decimals="-3">450343000</us-gaap:CommitmentsAndContingencies>
  <us-gaap:CommitmentsAndContingencies contextRef="As_Of_12_31_2014_us-gaap_FinancialInstrumentAxis_us-gaap_StandbyLettersOfCreditMember" unitRef="Unit12" decimals="-3">8578000</us-gaap:CommitmentsAndContingencies>
  <us-gaap:CommitmentsAndContingencies xsi:nil="true" contextRef="As_Of_12_31_2015" unitRef="Unit12" />
  <us-gaap:CommitmentsAndContingencies contextRef="As_Of_12_31_2015_us-gaap_FinancialInstrumentAxis_us-gaap_CommitmentsToExtendCreditMember" unitRef="Unit12" decimals="-3">514818000</us-gaap:CommitmentsAndContingencies>
  <us-gaap:CommitmentsAndContingencies contextRef="As_Of_12_31_2015_us-gaap_FinancialInstrumentAxis_us-gaap_StandbyLettersOfCreditMember" unitRef="Unit12" decimals="-3">11746000</us-gaap:CommitmentsAndContingencies>
  <us-gaap:CommitmentsAndContingenciesDisclosureTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(10.) COMMITMENTS AND CONTINGENCIES&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Financial Instruments with Off-Balance Sheet Risk&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company has financial instruments with off-balance sheet risk established in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. These instruments involve, to varying degrees, elements of credit and interest rate risk extending beyond amounts recognized in the financial statements.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is essentially the same as that involved with extending loans to customers. The Company uses the same credit underwriting policies in making commitments and conditional obligations as for on-balance sheet instruments.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Off-balance sheet commitments as of December 31 consist of the following (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="49%"&gt; &lt;/td&gt;
&lt;td width="23%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="4%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commitments to extend credit&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;514,818&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;450,343&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Standby letters of credit&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11,746&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,578&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the agreement. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Commitments may expire without being drawn upon; therefore the total commitment amounts do not necessarily represent future cash requirements. Each customer's creditworthiness is evaluated on a case-by-case basis. The amount of collateral obtained, if any, is based on management's credit evaluation of the borrower. Standby letters of credit are conditional lending commitments issued by the Company to guarantee the performance of a customer to a third party. These standby letters of credit are primarily issued to support private borrowing arrangements. The credit risk involved in issuing standby letters of credit is essentially the same as that involved in extending loan facilities to customers.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company also extends rate lock agreements to borrowers related to the origination of residential mortgage loans. To mitigate the interest rate risk inherent in these rate lock agreements when the Company intends to sell the related loan, once originated, as well as closed residential mortgage loans held for sale, the Company enters into forward commitments to sell individual residential mortgages. Rate lock agreements and forward commitments are considered derivatives and are recorded at fair value. Forward sales commitments totaled $&lt;font class="_mt"&gt;1.3&lt;/font&gt; million and $&lt;font class="_mt"&gt;1.2&lt;/font&gt; million at December 31, 2015 and 2014, respectively. The net change in the fair values of these derivatives was recognized as other noninterest income or other noninterest expense in the consolidated statements of income.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Lease Obligations&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company is obligated under a number of noncancellable operating lease agreements for land, buildings and equipment. Certain of these leases provide for escalation clauses and contain renewal options calling for increased rentals if the lease is renewed. Future minimum payments by year and in the aggregate, under the noncancellable leases with initial or remaining terms of one year or more, are as follows at December 31, 2015 (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="46%"&gt; &lt;/td&gt;
&lt;td width="37%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2016&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,644&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2017&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,271&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2018&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,020&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2019&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;942&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2020&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;810&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Thereafter&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,160&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,847&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Rent expense relating to these operating leases, included in occupancy and equipment expense in the statements of income, was $&lt;font class="_mt"&gt;2.0&lt;/font&gt; million, $&lt;font class="_mt"&gt;1.8&lt;/font&gt; million and $&lt;font class="_mt"&gt;1.7&lt;/font&gt; million in 2015, 2014 and 2013, respectively.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Contingent Liabilities&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;In the ordinary course of business there are various threatened and pending legal proceedings against the Company. Based on consultation with outside legal counsel, management believes that the aggregate liability, if any, arising from such litigation would not have a material adverse effect on the Company's consolidated financial statements.&lt;/font&gt;&lt;/p&gt; &lt;/div&gt;</us-gaap:CommitmentsAndContingenciesDisclosureTextBlock>
  <us-gaap:CommonStockDividendsPerShareDeclared contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit16" decimals="INF">0.74</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:CommonStockDividendsPerShareDeclared contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit16" decimals="INF">0.77</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:CommonStockDividendsPerShareDeclared contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit16" decimals="INF">0.80</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:CommonStockParOrStatedValuePerShare contextRef="As_Of_12_31_2014" unitRef="Unit16" decimals="INF">0.01</us-gaap:CommonStockParOrStatedValuePerShare>
  <us-gaap:CommonStockParOrStatedValuePerShare contextRef="As_Of_12_31_2015" unitRef="Unit16" decimals="INF">0.01</us-gaap:CommonStockParOrStatedValuePerShare>
  <us-gaap:CommonStockSharesAuthorized contextRef="As_Of_12_31_2014" unitRef="Unit1" decimals="INF">50000000</us-gaap:CommonStockSharesAuthorized>
  <us-gaap:CommonStockSharesAuthorized contextRef="As_Of_12_31_2015" unitRef="Unit1" decimals="INF">50000000</us-gaap:CommonStockSharesAuthorized>
  <us-gaap:CommonStockSharesIssued contextRef="As_Of_12_31_2013_us-gaap_StatementClassOfStockAxis_fisi_CommonStockIssuedMember" unitRef="Unit1" decimals="INF">14161597</us-gaap:CommonStockSharesIssued>
  <us-gaap:CommonStockSharesIssued contextRef="As_Of_12_31_2014" unitRef="Unit1" decimals="INF">14397509</us-gaap:CommonStockSharesIssued>
  <us-gaap:CommonStockSharesIssued contextRef="As_Of_12_31_2014_us-gaap_StatementClassOfStockAxis_fisi_CommonStockIssuedMember" unitRef="Unit1" decimals="INF">14397509</us-gaap:CommonStockSharesIssued>
  <us-gaap:CommonStockSharesIssued contextRef="As_Of_12_31_2015" unitRef="Unit1" decimals="INF">14397509</us-gaap:CommonStockSharesIssued>
  <us-gaap:CommonStockSharesIssued contextRef="As_Of_12_31_2015_us-gaap_StatementClassOfStockAxis_fisi_CommonStockIssuedMember" unitRef="Unit1" decimals="INF">14397509</us-gaap:CommonStockSharesIssued>
  <us-gaap:CommonStockSharesOutstanding contextRef="As_Of_12_31_2013_us-gaap_StatementClassOfStockAxis_us-gaap_CommonStockMember" unitRef="Unit1" decimals="INF">13829355</us-gaap:CommonStockSharesOutstanding>
  <us-gaap:CommonStockSharesOutstanding contextRef="As_Of_12_31_2014_us-gaap_StatementClassOfStockAxis_us-gaap_CommonStockMember" unitRef="Unit1" decimals="INF">14118048</us-gaap:CommonStockSharesOutstanding>
  <us-gaap:CommonStockSharesOutstanding contextRef="As_Of_12_31_2015_us-gaap_StatementClassOfStockAxis_us-gaap_CommonStockMember" unitRef="Unit1" decimals="INF">14190192</us-gaap:CommonStockSharesOutstanding>
  <us-gaap:CommonStockValue contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">144000</us-gaap:CommonStockValue>
  <us-gaap:CommonStockValue contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">144000</us-gaap:CommonStockValue>
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">12090000</us-gaap:ComprehensiveIncomeNetOfTax>
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">30531000</us-gaap:ComprehensiveIncomeNetOfTax>
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">26021000</us-gaap:ComprehensiveIncomeNetOfTax>
  <us-gaap:ComprehensiveIncomeNoteTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(13.) ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The following table presents the components of other comprehensive income (loss) for the years ended December 31 (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="56%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="14%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;b&gt; &lt;/b&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Pre&lt;/font&gt;&lt;/b&gt;-tax&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Net&lt;/font&gt;&lt;/b&gt;-of-tax&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Tax Effect&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Securities available for sale and transferred securities:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Change in unrealized gain/loss during the period&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,529&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(591&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(938&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Reclassification adjustment for net gains included in net income&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,251&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(868&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,383&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 7px;" bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total securities available for sale and transferred securities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3,780&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,459&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,321&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Pension and post-retirement obligations:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net actuarial gains (losses) arising during the year&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(887&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(342&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(545&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization of net actuarial loss and prior service cost included in income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;895&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;345&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;550&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 7px;" bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total pension and post-retirement obligations&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other comprehensive loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3,772&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,456&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,316&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="99%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="56%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Securities available for sale and transferred securities:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Change in unrealized gain/loss during the period&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,008&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,549&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,459&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Reclassification adjustment for net gains included in net income&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,478&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(981&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,497&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total securities available for sale and transferred securities&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11,530&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,568&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,962&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Pension and post-retirement obligations:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net actuarial gains (losses) arising during the year&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(9,709&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3,846&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(5,863&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization of net actuarial loss and prior service cost included in income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;128&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;51&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;77&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total pension and post-retirement obligations&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(9,581&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3,795&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(5,786&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other comprehensive income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,949&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;773&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,176&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td bgcolor="#c6d9f1" width="99%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Securities available for sale and transferred securities:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Change in unrealized gain/loss during the period&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(34,135&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(13,522&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(20,613&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Reclassification adjustment for net gains included in net income&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,298&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(514&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(784&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total securities available for sale and transferred securities&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(35,433&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(14,036&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(21,397&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Pension and post-retirement obligations:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net actuarial gains (losses) arising during the year&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11,860&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,698&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,162&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization of net actuarial loss and prior service cost included in income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,316&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;521&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;795&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total pension and post-retirement obligations&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,176&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,219&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,957&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other comprehensive loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(22,257&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(8,817&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(13,440&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="1"&gt;(1) &lt;/font&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Includes amounts related to the amortization/accretion of unrealized net gains and losses related to the Company's reclassification of available for sale investment securities to the held to maturity category. The unrealized net gains/losses will be amortized/accreted over the remaining life of the investment securities as an adjustment of yield.&lt;/font&gt;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Activity in accumulated other comprehensive income (loss), net of tax, was as follows (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="52%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="11%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="52%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Securities&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="52%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Available for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Pension and&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Accumulated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="52%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Sale and&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Post&lt;/font&gt;&lt;/b&gt;-&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="52%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Transferred&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;retirement&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Comprehensive&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="52%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Securities&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Obligations&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Income (Loss)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Balance at January 1, 2015&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,625&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(10,636&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(9,011&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other comprehensive income (loss) before reclassifications&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(938&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(545&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,483&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amounts reclassified from accumulated other comprehensive income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,383&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;550&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(833&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net current period other comprehensive (loss) income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,321&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,316&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Balance at December 31, 2015&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(696&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(10,631&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(11,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td bgcolor="#c6d9f1" width="99%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td bgcolor="#c6d9f1" width="99%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Balance at January 1, 2014&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(5,337&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(4,850&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(10,187&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other comprehensive income (loss) before reclassifications&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,459&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(5,863&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,596&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amounts reclassified from accumulated other comprehensive income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,497&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;77&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,420&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net current period other comprehensive (loss) income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,962&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(5,786&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,176&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Balance at December 31, 2014&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,625&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(10,636&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(9,011&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td bgcolor="#c6d9f1" width="99%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td bgcolor="#c6d9f1" width="99%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Balance at January 1, 2013&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;16,060&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(12,807&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,253&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other comprehensive income (loss) before reclassifications&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(20,613&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,162&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(13,451&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amounts reclassified from accumulated other comprehensive income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(784&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;795&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net current period other comprehensive income (loss)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(21,397&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,957&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(13,440&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Balance at December 31, 2013&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(5,337&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(4,850&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(10,187&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The following table presents the amounts reclassified out of each component of accumulated other comprehensive income (loss) for the years ended December 31 (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="36%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="11%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="32%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="4" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount Reclassified from&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Details About Accumulated Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="4" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Accumulated Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Affected Line Item in the&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Comprehensive Income Components&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="4" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Comprehensive Income&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Consolidated Statement of Income&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Realized gain on sale of investment securities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,988&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,041&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net gain on disposal of investment securities&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization of unrealized holding gains (losses)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;on investment securities transferred from&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;available for sale to held to maturity&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;263&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;437&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Interest income&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,251&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,478&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total before tax&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(868&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(981&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income tax expense&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,383&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,497&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net of tax&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization of pension and post-retirement items:&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Prior service credit&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Salaries and employee benefits&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net actuarial losses&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(943&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(176&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Salaries and employee benefits&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(895&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(128&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total before tax&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;345&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;51&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income tax benefit&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(550&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(77&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net of tax&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="8"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total reclassified for the period&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;833&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,420&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="1"&gt;(1) &lt;/font&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;These items are included in the computation of net periodic pension expense. See Note 17 &amp;#8211; Employee Benefit Plans for additional information.&lt;/font&gt;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ComprehensiveIncomeNoteTextBlock>
  <us-gaap:ComprehensiveIncomePolicyPolicyTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(s.) Comprehensive Income&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Comprehensive income includes all changes in shareholders' equity during a period, except those resulting from transactions with shareholders. In addition to net income, other components of the Company's comprehensive income include the after tax effect of changes in net unrealized gain / loss on securities available for sale and changes in net actuarial gain / loss on defined benefit post-retirement plans. Comprehensive income is reported in the accompanying consolidated statements of changes in shareholders' equity and consolidated statements of comprehensive income. See Note 13 - Accumulated Other Comprehensive Income (Loss) for additional information.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ComprehensiveIncomePolicyPolicyTextBlock>
  <us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(19.) PARENT COMPANY FINANCIAL INFORMATION&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Condensed financial statements pertaining only to the Parent are presented below (in thousands).&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="58%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="28%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Condensed Statements of Condition&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="3" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Assets:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash and due from subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;15,787&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,559&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Investment in and receivables due from subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;318,928&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;273,237&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,451&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,433&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;339,166&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;286,229&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Liabilities and shareholders' equity:&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Long-term borrowings, net of issuance costs of $&lt;font class="_mt"&gt;1,010&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;38,990&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,332&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,697&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Shareholders' equity&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;293,844&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;279,532&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total liabilities and shareholders' equity&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;339,166&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;286,229&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="54%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="19%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="11%"&gt; &lt;/td&gt;
&lt;td width="4%"&gt; &lt;/td&gt;
&lt;td width="4%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Condensed Statements of Income&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="4" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Years ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" colspan="2" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Dividends from subsidiary and associated companies&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;16,000&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20,920&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;15,000&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Management and service fees from subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;599&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;417&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;368&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,175&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;74&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;71&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total income&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17,774&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;21,411&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;15,439&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,750&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Operating expenses&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,509&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,437&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,906&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total expense&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,259&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,437&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,906&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income before income tax benefit and equity in undistributed&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;earnings of subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,515&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17,974&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,533&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income tax benefit&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,814&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,120&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,020&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income before equity in undistributed earnings of subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,329&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19,094&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,553&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Equity in undistributed earnings of subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,008&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,261&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11,977&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;28,337&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;29,355&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,530&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="48%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="18%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Condensed Statements of Cash Flows&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="7" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Years ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash flows from operating activities:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;28,337&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;29,355&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,530&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Adjustments to reconcile net income to net cash provided&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;by operating activities:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Equity in undistributed earnings of subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(14,008&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(10,261&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(11,977&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Depreciation and amortization&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;97&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;47&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Share-based compensation&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;674&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;471&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;407&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(Increase) decrease in other assets&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,069&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,661&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;166&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 6px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Decrease in other liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(258&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(5,717&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(17&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net cash provided by operating activities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,773&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19,557&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,156&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash flows from investing activities:&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Capital investment in Five Star Bank&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(34,000&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net cash paid for acquisition&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(7,995&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net cash used in investing activities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(34,000&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(7,995&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash flows from financing activities:&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Issuance of long-term debt, net of issuance costs&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;38,940&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Purchase of preferred and common shares&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(202&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(196&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(360&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Proceeds from stock options exercised&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;359&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;667&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;448&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Dividends paid&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(12,721&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(11,984&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(11,218&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;79&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(118&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net cash provided by (used in) financing activities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;26,455&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(11,513&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(11,248&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net increase&amp;nbsp;in cash and cash equivalents&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,228&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;49&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,908&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash and cash equivalents as of beginning of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,559&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,510&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,602&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash and cash equivalents as of end of the year&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;15,787&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,559&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,510&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;&lt;br /&gt; &lt;/div&gt;</us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock>
  <us-gaap:ConsolidationPolicyTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(a.) Principles of Consolidation&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The consolidated financial statements include the accounts of the Company and its subsidiaries. All significant intercompany accounts and transactions have been eliminated in consolidation.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ConsolidationPolicyTextBlock>
  <us-gaap:ContractualObligationFiscalYearMaturityScheduleTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="46%"&gt; &lt;/td&gt;
&lt;td width="37%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2016&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,644&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2017&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,271&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2018&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,020&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2019&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;942&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2020&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;810&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Thereafter&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,160&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,847&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ContractualObligationFiscalYearMaturityScheduleTableTextBlock>
  <us-gaap:CostsAndExpenses contextRef="Duration_1_1_2013_To_12_31_2013_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">2906000</us-gaap:CostsAndExpenses>
  <us-gaap:CostsAndExpenses contextRef="Duration_1_1_2014_To_12_31_2014_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">3437000</us-gaap:CostsAndExpenses>
  <us-gaap:CostsAndExpenses contextRef="Duration_1_1_2015_To_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">5259000</us-gaap:CostsAndExpenses>
  <us-gaap:CurrentFederalTaxExpenseBenefit contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">8917000</us-gaap:CurrentFederalTaxExpenseBenefit>
  <us-gaap:CurrentFederalTaxExpenseBenefit contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">7546000</us-gaap:CurrentFederalTaxExpenseBenefit>
  <us-gaap:CurrentFederalTaxExpenseBenefit contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">8720000</us-gaap:CurrentFederalTaxExpenseBenefit>
  <us-gaap:CurrentIncomeTaxExpenseBenefit contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">10830000</us-gaap:CurrentIncomeTaxExpenseBenefit>
  <us-gaap:CurrentIncomeTaxExpenseBenefit contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">7471000</us-gaap:CurrentIncomeTaxExpenseBenefit>
  <us-gaap:CurrentIncomeTaxExpenseBenefit contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">8741000</us-gaap:CurrentIncomeTaxExpenseBenefit>
  <us-gaap:CurrentStateAndLocalTaxExpenseBenefit contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">1913000</us-gaap:CurrentStateAndLocalTaxExpenseBenefit>
  <us-gaap:CurrentStateAndLocalTaxExpenseBenefit contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">-75000</us-gaap:CurrentStateAndLocalTaxExpenseBenefit>
  <us-gaap:CurrentStateAndLocalTaxExpenseBenefit contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">21000</us-gaap:CurrentStateAndLocalTaxExpenseBenefit>
  <us-gaap:DebtDisclosureTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(9.) BORROWINGS&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company classifies borrowings as short-term or long-term in accordance with the original terms of the agreement. Outstanding borrowings are summarized as follows as of December 31 (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="47%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="37%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Short-term borrowings:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Short-term FHLB borrowings&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;293,100&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;295,300&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Repurchase agreements&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;39,504&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total short-term borrowings&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;293,100&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;334,804&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Long-term borrowings:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Subordinated notes, net&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;38,990&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total borrowings&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;332,090&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;334,804&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Short-term borrowings&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Repurchase agreements are secured overnight borrowings with customers. Short-term FHLB borrowings have original maturities of less than one year and include overnight borrowings that we typically utilize to address short term funding needs as they arise. Short-term FHLB borrowings at December 31, 2015 consisted of $&lt;font class="_mt"&gt;116.8&lt;/font&gt; million in overnight borrowings and $&lt;font class="_mt"&gt;176.3&lt;/font&gt; million in short-term advances. Short-term FHLB borrowings at December 31, 2014 consisted of $&lt;font class="_mt"&gt;129.0&lt;/font&gt; million in overnight borrowings and $&lt;font class="_mt"&gt;166.3&lt;/font&gt; million in short-term advances. The FHLB borrowings are collateralized by securities from the Company's investment portfolio and certain qualifying loans. At December 31, 2015 and 2014, the Company's borrowings had a weighted average rate of &lt;font class="_mt"&gt;0.53&lt;/font&gt;% and &lt;font class="_mt"&gt;0.35&lt;/font&gt;%, respectively.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Long-term borrowings&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;On April 15, 2015, the Company issued $&lt;font class="_mt"&gt;40.0&lt;/font&gt; million of &lt;font class="_mt"&gt;6.0&lt;/font&gt;% fixed to floating rate subordinated notes due April 15, 2030 (the "Subordinated Notes") in a registered public offering. The Subordinated Notes bear interest at a fixed rate of 6.0% per year, payable semi-annually, for the first&amp;nbsp;&lt;font class="_mt"&gt;10&lt;/font&gt; years. From April 15, 2025 to the April 15, 2030 maturity date, the interest rate will reset quarterly to an annual interest rate equal to the then current three-month London Interbank Offered Rate (LIBOR) plus &lt;font class="_mt"&gt;3.944&lt;/font&gt;%, payable quarterly. The Subordinated Notes are redeemable by the Company at any quarterly interest payment date beginning on April 15, 2025 to maturity at par, plus accrued and unpaid interest. Proceeds, net of debt issuance costs of $&lt;font class="_mt"&gt;1.1&lt;/font&gt; million, were $&lt;font class="_mt"&gt;38.9&lt;/font&gt; million. The net proceeds from this offering were used for general corporate purposes, including but not limited to, contribution of capital to the Bank to support both organic growth and opportunistic acquisitions. The Subordinated Notes qualify as Tier 2 capital for regulatory purposes.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company adopted ASU 2015-03 that requires debt issuance costs to be reported as a direct deduction from the face value of the Subordinated Notes and not as a deferred charge. Refer to Note 1 for additional information. The debt issuance costs will be amortized as an adjustment to interest expense over&amp;nbsp;&lt;font class="_mt"&gt;15&lt;/font&gt; years.&lt;/font&gt;&lt;/p&gt; &lt;/div&gt;</us-gaap:DebtDisclosureTextBlock>
  <us-gaap:DebtInstrumentBasisSpreadOnVariableRate1 contextRef="Duration_4_15_2015_To_4_15_2015_us-gaap_DebtInstrumentAxis_fisi_SubordinatedNotes1Member_us-gaap_VariableRateAxis_us-gaap_LondonInterbankOfferedRateLIBORMember" unitRef="Unit14" decimals="INF">0.03944</us-gaap:DebtInstrumentBasisSpreadOnVariableRate1>
  <us-gaap:DebtInstrumentFaceAmount contextRef="As_Of_4_15_2015_us-gaap_DebtInstrumentAxis_fisi_SubordinatedNotes1Member" unitRef="Unit12" decimals="INF">40000000</us-gaap:DebtInstrumentFaceAmount>
  <us-gaap:DebtInstrumentFaceAmount contextRef="As_Of_6_30_2015_us-gaap_DebtInstrumentAxis_fisi_SubordinatedNotes1Member" unitRef="Unit12" decimals="INF">40000000</us-gaap:DebtInstrumentFaceAmount>
  <us-gaap:DebtInstrumentInterestRateStatedPercentage contextRef="As_Of_4_15_2015_us-gaap_DebtInstrumentAxis_fisi_SubordinatedNotes1Member" unitRef="Unit14" decimals="INF">0.06</us-gaap:DebtInstrumentInterestRateStatedPercentage>
  <us-gaap:DebtIssuanceCosts contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_DebtInstrumentAxis_fisi_SubordinatedNotes1Member" unitRef="Unit12" decimals="-5">1100000</us-gaap:DebtIssuanceCosts>
  <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">334804000</us-gaap:DebtLongtermAndShorttermCombinedAmount>
  <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">332090000</us-gaap:DebtLongtermAndShorttermCombinedAmount>
  <us-gaap:DeferredFederalIncomeTaxExpenseBenefit contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">1251000</us-gaap:DeferredFederalIncomeTaxExpenseBenefit>
  <us-gaap:DeferredFederalIncomeTaxExpenseBenefit contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">2538000</us-gaap:DeferredFederalIncomeTaxExpenseBenefit>
  <us-gaap:DeferredFederalIncomeTaxExpenseBenefit contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">1440000</us-gaap:DeferredFederalIncomeTaxExpenseBenefit>
  <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">1547000</us-gaap:DeferredIncomeTaxExpenseBenefit>
  <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">2154000</us-gaap:DeferredIncomeTaxExpenseBenefit>
  <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">1798000</us-gaap:DeferredIncomeTaxExpenseBenefit>
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  <us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">-384000</us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit>
  <us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">358000</us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit>
  <us-gaap:DeferredTaxAssetsEquityMethodInvestments contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">953000</us-gaap:DeferredTaxAssetsEquityMethodInvestments>
  <us-gaap:DeferredTaxAssetsEquityMethodInvestments contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">954000</us-gaap:DeferredTaxAssetsEquityMethodInvestments>
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  <us-gaap:DeferredTaxAssetsGross contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">15548000</us-gaap:DeferredTaxAssetsGross>
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  <us-gaap:DeferredTaxAssetsTaxCreditCarryforwardsGeneralBusiness contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">502000</us-gaap:DeferredTaxAssetsTaxCreditCarryforwardsGeneralBusiness>
  <us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeBenefits contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">704000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeBenefits>
  <us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeBenefits contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">767000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeBenefits>
  <us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeCompensation contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">938000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeCompensation>
  <us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeCompensation contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">972000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeCompensation>
  <us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">565000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost>
  <us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">538000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost>
  <us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAllowanceForDoubtfulAccounts contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">10666000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAllowanceForDoubtfulAccounts>
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  <us-gaap:DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">2667000</us-gaap:DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets>
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  <us-gaap:DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_EquitySecuritiesMember" unitRef="Unit14" decimals="2">0.40</us-gaap:DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum>
  <us-gaap:DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_FixedIncomeSecuritiesMember" unitRef="Unit14" decimals="2">0.40</us-gaap:DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations xsi:nil="true" contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_fisi_OtherFinancialInstrumentsMember" unitRef="Unit14" />
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_fisi_PortfolioConcentrationCommingledTrustFund1Member" unitRef="Unit14" decimals="2">0.13</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_fisi_PortfolioConcentrationCommingledTrustFund2Member" unitRef="Unit14" decimals="2">0.09</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_fisi_PortfolioConcentrationShortTermInvestmentFundMember" unitRef="Unit14" decimals="2">0.08</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_CashAndCashEquivalentsMember" unitRef="Unit14" decimals="3">0.087</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_EquitySecuritiesMember" unitRef="Unit14" decimals="3">0.482</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_FixedIncomeSecuritiesMember" unitRef="Unit14" decimals="3">0.431</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_fisi_OtherFinancialInstrumentsMember" unitRef="Unit14" decimals="3">0.037</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_fisi_PortfolioConcentrationCommingledTrustFund1Member" unitRef="Unit14" decimals="2">0.11</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_fisi_PortfolioConcentrationCommingledTrustFund2Member" unitRef="Unit14" decimals="2">0.07</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_fisi_PortfolioConcentrationExchangeTradedFundMember" unitRef="Unit14" decimals="2">0.07</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_fisi_PortfolioConcentrationShortTermInvestmentFundMember" unitRef="Unit14" decimals="2">0.05</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_CashAndCashEquivalentsMember" unitRef="Unit14" decimals="3">0.052</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_EquitySecuritiesMember" unitRef="Unit14" decimals="3">0.472</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_FixedIncomeSecuritiesMember" unitRef="Unit14" decimals="3">0.439</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedContributionPlanCostRecognized contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-5">1100000</us-gaap:DefinedContributionPlanCostRecognized>
  <us-gaap:DefinedContributionPlanCostRecognized contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-5">1100000</us-gaap:DefinedContributionPlanCostRecognized>
  <us-gaap:DefinedContributionPlanCostRecognized contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-5">1300000</us-gaap:DefinedContributionPlanCostRecognized>
  <us-gaap:DefinedContributionPlanEmployerMatchingContributionPercent contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis_fisi_FirstThreePercentOfParticipantSContributionMember" unitRef="Unit14" decimals="2">0.03</us-gaap:DefinedContributionPlanEmployerMatchingContributionPercent>
  <us-gaap:DefinedContributionPlanEmployerMatchingContributionPercent contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis_fisi_NextThreePercentOfParticipantSContributionMember" unitRef="Unit14" decimals="2">0.03</us-gaap:DefinedContributionPlanEmployerMatchingContributionPercent>
  <us-gaap:DefinedContributionPlanEmployerMatchingContributionPercentOfMatch contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis_fisi_FirstThreePercentOfParticipantSContributionMember" unitRef="Unit14" decimals="2">1.00</us-gaap:DefinedContributionPlanEmployerMatchingContributionPercentOfMatch>
  <us-gaap:DefinedContributionPlanEmployerMatchingContributionPercentOfMatch contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis_fisi_NextThreePercentOfParticipantSContributionMember" unitRef="Unit14" decimals="2">0.50</us-gaap:DefinedContributionPlanEmployerMatchingContributionPercentOfMatch>
  <us-gaap:DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit14" decimals="3">0.045</us-gaap:DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent>
  <us-gaap:DepositLiabilitiesDisclosuresTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(8.) DEPOSITS&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;A summary of deposits as of December 31 are as follows (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="47%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="38%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Noninterest-bearing demand&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;641,972&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;571,260&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Interest-bearing demand&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;523,366&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;490,190&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Savings and money market&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;928,175&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;795,835&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Time deposits, due:&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Within one year&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;450,885&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;395,956&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;One to two years&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;97,059&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;122,819&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Two to three years&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;46,545&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11,448&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Three to five years&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;42,482&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;62,991&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Thereafter&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;47&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;28&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total time deposits&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;637,018&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;593,242&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total deposits&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,730,531&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,450,527&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Time deposits in denominations of $250,000 or more at December 31, 2015 and 2014 amounted to $&lt;font class="_mt"&gt;92.0&lt;/font&gt; million and $&lt;font class="_mt"&gt;66.5&lt;/font&gt; million, respectively.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Interest expense by deposit type for the years ended December 31 is summarized as follows (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="43%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="28%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Interest-bearing demand&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;754&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;607&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;729&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Savings and money market&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,166&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;913&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;978&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Time deposits&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,386&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,846&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,893&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total interest expense on deposits&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,306&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,366&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,600&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt; &lt;/div&gt;</us-gaap:DepositLiabilitiesDisclosuresTextBlock>
  <us-gaap:Deposits contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">2450527000</us-gaap:Deposits>
  <us-gaap:Deposits contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">2730531000</us-gaap:Deposits>
  <us-gaap:DepositsFairValueDisclosure contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="Unit12" decimals="-3">593242000</us-gaap:DepositsFairValueDisclosure>
  <us-gaap:DepositsFairValueDisclosure contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="Unit12" decimals="-3">593793000</us-gaap:DepositsFairValueDisclosure>
  <us-gaap:DepositsFairValueDisclosure contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="Unit12" decimals="-3">637018000</us-gaap:DepositsFairValueDisclosure>
  <us-gaap:DepositsFairValueDisclosure contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="Unit12" decimals="-3">636159000</us-gaap:DepositsFairValueDisclosure>
  <us-gaap:DepositsSavingsDeposits contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">795835000</us-gaap:DepositsSavingsDeposits>
  <us-gaap:DepositsSavingsDeposits contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">928175000</us-gaap:DepositsSavingsDeposits>
  <us-gaap:DepreciationAndAmortization contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">4181000</us-gaap:DepreciationAndAmortization>
  <us-gaap:DepreciationAndAmortization contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_IncomeStatementLocationAxis_fisi_OccupancyAndEquipmentExpenseMember" unitRef="Unit12" decimals="-5">3800000</us-gaap:DepreciationAndAmortization>
  <us-gaap:DepreciationAndAmortization contextRef="Duration_1_1_2013_To_12_31_2013_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">47000</us-gaap:DepreciationAndAmortization>
  <us-gaap:DepreciationAndAmortization contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">4583000</us-gaap:DepreciationAndAmortization>
  <us-gaap:DepreciationAndAmortization contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_IncomeStatementLocationAxis_fisi_OccupancyAndEquipmentExpenseMember" unitRef="Unit12" decimals="-5">4000000</us-gaap:DepreciationAndAmortization>
  <us-gaap:DepreciationAndAmortization contextRef="Duration_1_1_2014_To_12_31_2014_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">48000</us-gaap:DepreciationAndAmortization>
  <us-gaap:DepreciationAndAmortization contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">5429000</us-gaap:DepreciationAndAmortization>
  <us-gaap:DepreciationAndAmortization contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_IncomeStatementLocationAxis_fisi_OccupancyAndEquipmentExpenseMember" unitRef="Unit12" decimals="-5">4400000</us-gaap:DepreciationAndAmortization>
  <us-gaap:DepreciationAndAmortization contextRef="Duration_1_1_2015_To_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">97000</us-gaap:DepreciationAndAmortization>
  <us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(14.) SHARE-BASED COMPENSATION&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company maintains certain stock-based compensation plans, approved by the Company's shareholders that are administered by the Management Development and Compensation Committee (the "Compensation Committee") of the Board. In May 2015, the Company's shareholders approved the 2015 Long-Term Incentive Plan (the "2015 Plan") to replace the 2009 Management Stock Incentive Plan and the 2009 Directors' Stock Incentive Plan (collectively, the "2009 Plans"). A total of&amp;nbsp;&lt;font class="_mt"&gt;438,076&lt;/font&gt; shares transferred from the 2009 Plans were available for grant pursuant to the 2015 Plan as of May 6, 2015, the date of approval of the 2015 Plan. In addition, any shares subject to outstanding awards under the 2009 Plans that are canceled, expired, forfeited or otherwise not issued or are settled in cash on or after May 6, 2015, will become available for future award grants under the 2015 Plan. As of December 31, 2015, there were approximately&amp;nbsp;&lt;font class="_mt"&gt;424,000&lt;/font&gt; shares available for grant under the 2015 Plan.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Under the Plan, the Compensation Committee may establish and prescribe grant guidelines including various terms and conditions for the granting of stock-based compensation. For stock options, the exercise price of each option equals the market price of the Company's stock on the date of the grant. All options expire after a period of&amp;nbsp;&lt;font class="_mt"&gt;ten&lt;/font&gt; years from the date of grant and generally become fully exercisable over a period of&amp;nbsp;&lt;font class="_mt"&gt;3&lt;/font&gt; to&amp;nbsp;&lt;font class="_mt"&gt;5&lt;/font&gt; years from the grant date. When an option recipient exercises their options, the Company issues shares from treasury stock and records the proceeds as additions to capital. Shares of restricted stock granted to employees generally vest over&amp;nbsp;&lt;font class="_mt"&gt;2&lt;/font&gt; to&amp;nbsp;&lt;font class="_mt"&gt;3&lt;/font&gt; years from the grant date.&amp;nbsp;&lt;font class="_mt"&gt;Fifty&lt;/font&gt; percent of the shares of restricted stock granted to non-employee directors generally vests on the date of grant and the remaining&amp;nbsp;&lt;font class="_mt"&gt;fifty&lt;/font&gt; percent generally vests one year from the grant date. Vesting of the shares may be based on years of service, established performance measures or both. If restricted stock grants are forfeited before they vest, the shares are reacquired into treasury stock.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The share-based compensation plans were established to allow for the granting of compensation awards to attract, motivate and retain employees, executive officers and non-employee directors who contribute to the long-term growth and profitability of the Company and to give such persons a proprietary interest in the Company, thereby enhancing their personal interest in the Company's success.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company awarded grants of&amp;nbsp;&lt;font class="_mt"&gt;36,384&lt;/font&gt; shares of restricted common stock to certain members of management during the year ended December 31, 2015.&amp;nbsp;&lt;font class="_mt"&gt;Thirty&lt;/font&gt; percent of the shares subject to each grant will be earned based upon achievement of an EPS performance requirement for the Company's fiscal year ended December 31, 2015. The remaining&amp;nbsp;&lt;font class="_mt"&gt;seventy&lt;/font&gt; percent of the shares will be earned based on the Company's achievement of a relative total shareholder return ("TSR") performance requirement, on a percentile basis, compared to the SNL Small Cap Bank &amp;amp; Thrifts Index over a &lt;font class="_mt"&gt;three&lt;/font&gt;-year performance period ended December 31, 2017. The shares earned based on the achievement of the EPS and TSR performance requirements, if any, will vest on February 25, 2018 assuming the recipient's continuous service to the Company.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The grant-date fair value of the TSR portion of the award granted during the year ended December 31, 2015 was determined using the Monte Carlo simulation model on the date of grant, assuming the following (i) expected term of&amp;nbsp;&lt;font class="_mt"&gt;2.85&lt;/font&gt; years, (ii) risk free interest rate of &lt;font class="_mt"&gt;0.92&lt;/font&gt;%, (iii) expected dividend yield of &lt;font class="_mt"&gt;3.53&lt;/font&gt;% and (iv) expected stock price volatility over the expected term of the TSR award of &lt;font class="_mt"&gt;26.8&lt;/font&gt;%. The grant-date fair value of all other restricted stock awards is equal to the closing market price of the Company's common stock on the date of grant.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company granted&amp;nbsp;&lt;font class="_mt"&gt;12,700&lt;/font&gt; additional shares of restricted common stock to management during the year ended December 31, 2015. These shares will vest after completion of a &lt;font class="_mt"&gt;three&lt;/font&gt;-year service requirement. The average market price of the restricted stock awards on the date of grant was $&lt;font class="_mt"&gt;22.79&lt;/font&gt;.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;During the year ended December 31, 2015, the Company granted a total of&amp;nbsp;&lt;font class="_mt"&gt;10,750&lt;/font&gt; restricted shares of common stock to non-employee directors, of which&amp;nbsp;&lt;font class="_mt"&gt;5,380&lt;/font&gt; shares vested immediately and&amp;nbsp;&lt;font class="_mt"&gt;5,370&lt;/font&gt; shares will vest after completion of a &lt;font class="_mt"&gt;one&lt;/font&gt;-year service requirement. The market price of the restricted stock on the date of grant was $&lt;font class="_mt"&gt;23.25&lt;/font&gt;. In addition, the Company issued a total of&amp;nbsp;&lt;font class="_mt"&gt;4,401&lt;/font&gt; shares of common stock in-lieu of cash for the annual retainer of&amp;nbsp;&lt;font class="_mt"&gt;three&lt;/font&gt; non-employee directors during the year ended December 31, 2015. The weighted average market price of the stock on the date of grant was $&lt;font class="_mt"&gt;24.96&lt;/font&gt;.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The restricted stock &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#010202" size="2"&gt;awards granted to management and directors in 2015 do not have rights to dividends or dividend equivalents.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company uses the Black-Scholes valuation method to estimate the fair value of its stock option awards. There were&amp;nbsp;&lt;font class="_mt"&gt;no&lt;/font&gt; stock options awarded during 2015, 2014 or 2013. There was&amp;nbsp;&lt;font class="_mt"&gt;no&lt;/font&gt; unrecognized compensation expense related to unvested stock options as of December 31, 2015. The following is a summary of stock option activity for the year ended December 31, 2015 (dollars in thousands, except per share amounts):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="43%"&gt; &lt;/td&gt;
&lt;td width="16%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Remaining&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Aggregate&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Number of&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Exercise&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Contractual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Intrinsic&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Options&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Price&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Term&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Outstanding at beginning of year&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;135,416&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19.25&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Granted&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Exercised&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(18,922&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18.99&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Forfeited&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Expired&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(14,245&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19.87&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Outstanding and exercisable at end of period&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;102,249&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19.21&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1.3 years&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;899&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The aggregate intrinsic value (the amount by which the market price of the stock on the date of exercise exceeded the market price of the stock on the date of grant) of option exercises for the years ended December 31, 2015, 2014 and 2013 was $&lt;font class="_mt"&gt;106&lt;/font&gt; thousand, $&lt;font class="_mt"&gt;161&lt;/font&gt; thousand, and $&lt;font class="_mt"&gt;106&lt;/font&gt; thousand, respectively. The total cash received as a result of option exercises under stock compensation plans for the years ended December 31, 2015, 2014 and 2013 was $&lt;font class="_mt"&gt;359&lt;/font&gt; thousand, $&lt;font class="_mt"&gt;667&lt;/font&gt; thousand, and $&lt;font class="_mt"&gt;448&lt;/font&gt; thousand, respectively. The tax benefits realized in connection with these stock option exercises were not significant.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The following is a summary of restricted stock award activity for the year ended December 31, 2015:&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="50%"&gt; &lt;/td&gt;
&lt;td width="29%"&gt; &lt;/td&gt;
&lt;td width="4%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Market&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Number of&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Price at&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Grant Date&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Outstanding at beginning of year&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;59,113&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17.24&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Granted&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;59,834&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17.66&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Vested&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(32,549&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17.80&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Forfeited&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3,490&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19.32&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Outstanding at end of period&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;82,908&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17.23&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;As of December 31, 2015, there was $&lt;font class="_mt"&gt;737&lt;/font&gt; thousand of unrecognized compensation expense related to unvested restricted stock awards that is expected to be recognized over a weighted average period of&amp;nbsp;&lt;font class="_mt"&gt;1.8&lt;/font&gt; years.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company amortizes the expense related to restricted stock awards over the vesting period. Share-based compensation expense is recorded as a component of salaries and employee benefits in the consolidated statements of income for awards granted to management and as a component of other noninterest expense for awards granted to directors. The share-based compensation expense for the years ended December 31 was as follows (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="52%"&gt; &lt;/td&gt;
&lt;td width="28%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="4%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="52%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 6px;" width="28%" align="left"&gt;&lt;b&gt; &lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="4%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Salaries and employee benefits&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="28%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="5%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;431&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="5%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;270&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="4%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;236&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other noninterest expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="28%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;243&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;201&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="4%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;171&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total share-based compensation expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="28%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="5%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;674&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="5%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;471&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="4%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;407&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;&lt;br /&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt; &lt;/font&gt;&lt;/p&gt; &lt;/div&gt;</us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock>
  <us-gaap:DividendsCommonStockCash contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">10171000</us-gaap:DividendsCommonStockCash>
  <us-gaap:DividendsCommonStockCash contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">10171000</us-gaap:DividendsCommonStockCash>
  <us-gaap:DividendsCommonStockCash contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">10718000</us-gaap:DividendsCommonStockCash>
  <us-gaap:DividendsCommonStockCash contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">10718000</us-gaap:DividendsCommonStockCash>
  <us-gaap:DividendsCommonStockCash contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">11267000</us-gaap:DividendsCommonStockCash>
  <us-gaap:DividendsCommonStockCash contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">11267000</us-gaap:DividendsCommonStockCash>
  <us-gaap:DividendsPreferredStockCash contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_StatementClassOfStockAxis_fisi_Series3PreferredStockMember" unitRef="Unit12" decimals="-3">5000</us-gaap:DividendsPreferredStockCash>
  <us-gaap:DividendsPreferredStockCash contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesBPreferredStockMember" unitRef="Unit12" decimals="-3">1461000</us-gaap:DividendsPreferredStockCash>
  <us-gaap:DividendsPreferredStockCash contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_StatementClassOfStockAxis_fisi_Series3PreferredStockMember_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">5000</us-gaap:DividendsPreferredStockCash>
  <us-gaap:DividendsPreferredStockCash contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesBPreferredStockMember_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">1461000</us-gaap:DividendsPreferredStockCash>
  <us-gaap:DividendsPreferredStockCash contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementClassOfStockAxis_fisi_Series3PreferredStockMember" unitRef="Unit12" decimals="-3">4000</us-gaap:DividendsPreferredStockCash>
  <us-gaap:DividendsPreferredStockCash contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesBPreferredStockMember" unitRef="Unit12" decimals="-3">1458000</us-gaap:DividendsPreferredStockCash>
  <us-gaap:DividendsPreferredStockCash contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementClassOfStockAxis_fisi_Series3PreferredStockMember_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">4000</us-gaap:DividendsPreferredStockCash>
  <us-gaap:DividendsPreferredStockCash contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesBPreferredStockMember_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">1458000</us-gaap:DividendsPreferredStockCash>
  <us-gaap:DividendsPreferredStockCash contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementClassOfStockAxis_fisi_Series3PreferredStockMember" unitRef="Unit12" decimals="-3">4000</us-gaap:DividendsPreferredStockCash>
  <us-gaap:DividendsPreferredStockCash contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesBPreferredStockMember" unitRef="Unit12" decimals="-3">1458000</us-gaap:DividendsPreferredStockCash>
  <us-gaap:DividendsPreferredStockCash contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementClassOfStockAxis_fisi_Series3PreferredStockMember_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">4000</us-gaap:DividendsPreferredStockCash>
  <us-gaap:DividendsPreferredStockCash contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesBPreferredStockMember_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">1458000</us-gaap:DividendsPreferredStockCash>
  <us-gaap:EarningsPerShareBasic contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit16" decimals="2">1.75</us-gaap:EarningsPerShareBasic>
  <us-gaap:EarningsPerShareBasic contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit16" decimals="2">2.01</us-gaap:EarningsPerShareBasic>
  <us-gaap:EarningsPerShareBasic contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit16" decimals="2">1.91</us-gaap:EarningsPerShareBasic>
  <us-gaap:EarningsPerShareDiluted contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit16" decimals="2">1.75</us-gaap:EarningsPerShareDiluted>
  <us-gaap:EarningsPerShareDiluted contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit16" decimals="2">2.00</us-gaap:EarningsPerShareDiluted>
  <us-gaap:EarningsPerShareDiluted contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit16" decimals="2">1.90</us-gaap:EarningsPerShareDiluted>
  <us-gaap:EarningsPerSharePolicyTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(t.) Earnings Per Common Share&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company calculates earnings per common share ("EPS") using the two-class method in accordance with &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#010202" size="2"&gt;Financial Accounting Standards Board ("FASB") Accounting Standards Codification ("ASC") Topic 260, "Earnings Per Share". &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The two-class method requires the Company to present EPS as if all of the earnings for the period are distributed to common shareholders and any participating securities, regardless of whether any actual dividends or distributions are made. All outstanding unvested share-based payment awards that contain rights to nonforfeitable dividends are considered participating securities.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Basic EPS is computed by dividing distributed and undistributed earnings available to common shareholders by the weighted average number of common shares outstanding for the period. Distributed and undistributed earnings available to common shareholders represent net income reduced by preferred stock dividends and distributed and undistributed earnings available to participating securities. Common shares outstanding include common stock and vested restricted stock awards. Diluted EPS reflects the assumed conversion of all potential dilutive securities. &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#010202" size="2"&gt;A reconciliation of the weighted-average shares used in calculating basic earnings per common share and the weighted average common shares used in calculating diluted earnings per common share for the reported periods is provided in Note 16 - Earnings Per Common Share.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:EarningsPerSharePolicyTextBlock>
  <us-gaap:EarningsPerShareTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(16.) EARNINGS PER COMMON SHARE&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The following table presents a reconciliation of the earnings and shares used in calculating basic and diluted EPS for each of the years ended December 31 (in thousands, except per share amounts). All outstanding unvested share-based payment awards that contain rights to nonforfeitable dividends are considered participating securities.&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="60%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="60%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="60%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net income available to common shareholders for EPS&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="5%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;26,875&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;27,893&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;24,064&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="60%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Weighted average common shares outstanding:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="60%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total shares issued&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="5%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,398&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,261&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,162&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="60%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Unvested restricted stock awards&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(93&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(64&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(69&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="60%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Treasury shares&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="5%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(224&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(304&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(354&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" width="60%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total basic weighted average common shares outstanding&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,081&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,893&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,739&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="60%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Incremental shares from assumed:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 9px;" width="60%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Exercise of stock options&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;24&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;26&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 9px;" bgcolor="#c6d9f1" width="60%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Vesting of restricted stock awards&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="5%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;30&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;27&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;32&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" width="60%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total diluted weighted average common shares outstanding&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,135&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,946&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,784&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="99%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="60%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Basic earnings per common share&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1.91&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2.01&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1.75&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="60%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Diluted earnings per common share&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="5%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1.90&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1.75&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;For each of the periods presented, average shares subject to the following instruments were excluded from the computation of diluted EPS because the effect would be antidilutive:&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="31%"&gt; &lt;/td&gt;
&lt;td width="32%"&gt; &lt;/td&gt;
&lt;td width="32%"&gt; &lt;/td&gt;
&lt;td width="4%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="31%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Stock options&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="32%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="32%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&amp;nbsp;3&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="4%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;122&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="31%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Restricted stock awards&lt;/font&gt;&lt;/td&gt;
&lt;td width="32%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="32%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&amp;nbsp;1&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="4%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="31%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="32%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="32%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&amp;nbsp;4&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="4%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;124&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;There were no participating securities outstanding for the years ended December 2015, 2014 and 2013; therefore, the two-class method of calculating basic and diluted EPS was not applicable for the years presented.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt; &lt;/div&gt;</us-gaap:EarningsPerShareTextBlock>
  <us-gaap:EffectiveIncomeTaxRateContinuingOperations contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit14" decimals="3">0.327</us-gaap:EffectiveIncomeTaxRateContinuingOperations>
  <us-gaap:EffectiveIncomeTaxRateContinuingOperations contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit14" decimals="3">0.247</us-gaap:EffectiveIncomeTaxRateContinuingOperations>
  <us-gaap:EffectiveIncomeTaxRateContinuingOperations contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit14" decimals="3">0.271</us-gaap:EffectiveIncomeTaxRateContinuingOperations>
  <us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit14" decimals="3">0.350</us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate>
  <us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit14" decimals="3">0.350</us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate>
  <us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit14" decimals="3">0.350</us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate>
  <us-gaap:EffectiveIncomeTaxRateReconciliationNondeductibleExpense contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit14" decimals="3">0.002</us-gaap:EffectiveIncomeTaxRateReconciliationNondeductibleExpense>
  <us-gaap:EffectiveIncomeTaxRateReconciliationNondeductibleExpense contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit14" decimals="3">0.005</us-gaap:EffectiveIncomeTaxRateReconciliationNondeductibleExpense>
  <us-gaap:EffectiveIncomeTaxRateReconciliationNondeductibleExpense contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit14" decimals="3">0.003</us-gaap:EffectiveIncomeTaxRateReconciliationNondeductibleExpense>
  <us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit14" decimals="3">0.001</us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments>
  <us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit14" decimals="3">0.002</us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments>
  <us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit14" decimals="3">0.038</us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes>
  <us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit14" decimals="3">-0.008</us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes>
  <us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit14" decimals="3">0.007</us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes>
  <us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_IncomeTaxAuthorityAxis_stpr_NY" unitRef="Unit14" decimals="3">0.071</us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes>
  <us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes contextRef="Duration_1_1_2016_To_12_31_2016_us-gaap_IncomeTaxAuthorityAxis_stpr_NY_us-gaap_StatementScenarioAxis_us-gaap_ScenarioForecastMember" unitRef="Unit14" decimals="3">0.065</us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes>
  <us-gaap:EffectiveIncomeTaxRateReconciliationTaxCreditsOther contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit14" decimals="3">-0.035</us-gaap:EffectiveIncomeTaxRateReconciliationTaxCreditsOther>
  <us-gaap:EffectiveIncomeTaxRateReconciliationTaxCreditsOther contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit14" decimals="3">-0.007</us-gaap:EffectiveIncomeTaxRateReconciliationTaxCreditsOther>
  <us-gaap:EffectiveIncomeTaxRateReconciliationTaxExemptIncome contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit14" decimals="3">-0.048</us-gaap:EffectiveIncomeTaxRateReconciliationTaxExemptIncome>
  <us-gaap:EffectiveIncomeTaxRateReconciliationTaxExemptIncome contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit14" decimals="3">-0.051</us-gaap:EffectiveIncomeTaxRateReconciliationTaxExemptIncome>
  <us-gaap:EffectiveIncomeTaxRateReconciliationTaxExemptIncome contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit14" decimals="3">-0.061</us-gaap:EffectiveIncomeTaxRateReconciliationTaxExemptIncome>
  <us-gaap:EmployeeServiceShareBasedCompensationCashReceivedFromExerciseOfStockOptions contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">448000</us-gaap:EmployeeServiceShareBasedCompensationCashReceivedFromExerciseOfStockOptions>
  <us-gaap:EmployeeServiceShareBasedCompensationCashReceivedFromExerciseOfStockOptions contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">667000</us-gaap:EmployeeServiceShareBasedCompensationCashReceivedFromExerciseOfStockOptions>
  <us-gaap:EmployeeServiceShareBasedCompensationCashReceivedFromExerciseOfStockOptions contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">359000</us-gaap:EmployeeServiceShareBasedCompensationCashReceivedFromExerciseOfStockOptions>
  <us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">0</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized>
  <us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized contextRef="As_Of_12_31_2015_us-gaap_AwardTypeAxis_us-gaap_RestrictedStockMember" unitRef="Unit12" decimals="-3">737000</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized>
  <us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1 contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_AwardTypeAxis_us-gaap_RestrictedStockMember">P1Y9M18D</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1>
  <us-gaap:EquityMethodInvestmentsPolicy contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(n.) Equity Method Investments&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company has investments in limited partnerships, primarily Small Business Investment Companies, and accounts for these investments under the equity method. These investments are included in other assets in the consolidated statements of financial condition and totaled $&lt;font class="_mt"&gt;5.0&lt;/font&gt; million and $&lt;font class="_mt"&gt;4.9&lt;/font&gt; million as of December 31, 2015 and 2014, respectively.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:EquityMethodInvestmentsPolicy>
  <us-gaap:EquityMethodInvestmentSummarizedFinancialInformationAssets contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-5">4900000</us-gaap:EquityMethodInvestmentSummarizedFinancialInformationAssets>
  <us-gaap:EquityMethodInvestmentSummarizedFinancialInformationAssets contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-5">5000000</us-gaap:EquityMethodInvestmentSummarizedFinancialInformationAssets>
  <us-gaap:EscrowDeposit contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-5">4600000</us-gaap:EscrowDeposit>
  <us-gaap:EscrowDeposit contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-5">4400000</us-gaap:EscrowDeposit>
  <us-gaap:ExcessTaxBenefitFromShareBasedCompensationFinancingActivities contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">-118000</us-gaap:ExcessTaxBenefitFromShareBasedCompensationFinancingActivities>
  <us-gaap:ExcessTaxBenefitFromShareBasedCompensationFinancingActivities contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">79000</us-gaap:ExcessTaxBenefitFromShareBasedCompensationFinancingActivities>
  <us-gaap:FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="27%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="20%"&gt; &lt;/td&gt;
&lt;td width="24%"&gt; &lt;/td&gt;
&lt;td width="18%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="20%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="24%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Unobservable Input&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="27%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Asset&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="20%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Valuation Technique&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 7px;" width="24%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Unobservable Input&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="18%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Value or Range&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="27%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collateral dependent impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,485&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="20%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Appraisal of collateral&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="24%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Appraisal adjustments&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="18%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;0% - 100% discount&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td bgcolor="#c6d9f1" width="99%" colspan="6"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="27%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loan servicing rights&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,241&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="20%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Discounted cash flow&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="24%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Discount rate&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="18%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5.0&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3)&lt;/font&gt;&lt;/sup&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="20%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="24%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Constant prepayment rate&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="18%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12.4&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3)&lt;/font&gt;&lt;/sup&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td bgcolor="#c6d9f1" width="99%" colspan="6"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="27%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other real estate owned&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;163&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="20%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Appraisal of collateral&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="24%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Appraisal adjustments&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="18%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9% - 58% discount&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1) &lt;/font&gt;&lt;/sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are not identifiable.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2) &lt;/font&gt;&lt;/sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3) &lt;/font&gt;&lt;/sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Weighted averages.&lt;/font&gt;&lt;/p&gt; &lt;/div&gt;</us-gaap:FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock>
  <us-gaap:FairValueAssetsMeasuredOnRecurringAndNonrecurringBasisTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="58%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="6%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="58%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Quoted Prices&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="58%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;in Active&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="58%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Markets for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Significant&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="58%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Identical&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Significant&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="58%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Assets or&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Observable&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Unobservable&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="58%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Liabilities&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="58%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(Level 1)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(Level 2)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(Level 3)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Measured on a recurring basis:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Securities available for sale:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;U.S. Government agencies and government sponsored enterprises&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;260,863&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="right"&gt;&amp;nbsp;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;260,863&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;283,314&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;283,314&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Asset-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;218&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;218&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="58%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;544,395&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;544,395&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Measured on a nonrecurring basis:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans held for sale&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,430&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="right"&gt;&amp;nbsp;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,430&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collateral dependent impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,485&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,485&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other assets:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loan servicing rights&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,241&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,241&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other real estate owned&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;163&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;163&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="58%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,430&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,889&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,319&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td bgcolor="#c6d9f1" width="99%" colspan="9"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Measured on a recurring basis:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Securities available for sale:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;U.S. Government agencies and government sponsored enterprises&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;160,475&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="right"&gt;&amp;nbsp;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;160,475&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;461,788&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;461,788&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Asset-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;231&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;231&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="58%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;622,494&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;622,494&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Measured on a nonrecurring basis:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans held for sale&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;755&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="right"&gt;&amp;nbsp;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;755&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collateral dependent impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,652&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,652&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other assets:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loan servicing rights&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,359&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,359&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other real estate owned&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;194&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;194&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="58%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="6%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;755&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,205&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,960&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:FairValueAssetsMeasuredOnRecurringAndNonrecurringBasisTableTextBlock>
  <us-gaap:FairValueByBalanceSheetGroupingTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="28%"&gt; &lt;/td&gt;
&lt;td width="20%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="11%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 3px;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Level in&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="3" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Estimated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Estimated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Measurement&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Carrying&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 3px;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Carrying&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 3px;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Hierarchy&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Financial assets:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash and cash equivalents&lt;/font&gt;&lt;/td&gt;
&lt;td align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 1&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;60,121&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;60,121&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;58,151&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;58,151&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Securities available for sale&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 2&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;544,395&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;544,395&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;622,494&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;622,494&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Securities held to maturity&lt;/font&gt;&lt;/td&gt;
&lt;td align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 2&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;485,717&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;490,064&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;294,438&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;298,695&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans held for sale&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 2&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,430&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,430&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;755&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;755&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans&lt;/font&gt;&lt;/td&gt;
&lt;td align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 2&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,055,192&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,046,235&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,881,713&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,887,959&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 3&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,485&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,485&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,652&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,652&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Accrued interest receivable&lt;/font&gt;&lt;/td&gt;
&lt;td align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 1&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,609&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,609&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,104&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,104&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;FHLB and FRB stock&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 2&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19,991&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19,991&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19,014&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19,014&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Financial liabilities:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Non-maturity deposits&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 1&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,093,513&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,093,513&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,857,285&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,857,285&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Time deposits&lt;/font&gt;&lt;/td&gt;
&lt;td align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 2&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;637,018&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;636,159&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;593,242&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;593,793&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Short-term borrowings&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 1&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;293,100&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;293,100&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;334,804&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;334,804&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Long-term borrowings&lt;/font&gt;&lt;/td&gt;
&lt;td align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 2&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;38,990&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;40,313&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Accrued interest payable&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 1&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,676&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,676&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,862&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,862&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1) &lt;/font&gt;&lt;/sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Comprised of collateral dependent impaired loans.&lt;/font&gt;&lt;/p&gt; &lt;/div&gt;</us-gaap:FairValueByBalanceSheetGroupingTextBlock>
  <us-gaap:FairValueDisclosuresTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(18.) FAIR VALUE MEASUREMENTS&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Determination of Fair Value &amp;#8211; Assets Measured at Fair Value on a Recurring and Nonrecurring Basis Valuation Hierarchy&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The fair value of an asset or liability is the price that would be received to sell that asset or paid to transfer that liability in an orderly transaction occurring in the principal market (or most advantageous market in the absence of a principal market) for such asset or liability. ASC Topic 820, "Fair Value Measurements and Disclosures," establishes a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. The fair value hierarchy is as follows:&lt;/font&gt;&lt;/p&gt;

&lt;ul style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;li&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Level 1&amp;nbsp;&lt;/font&gt;&lt;/b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;- Unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to&lt;/font&gt;&amp;nbsp;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;access at the measurement date.&lt;/font&gt;
&lt;/li&gt;
&lt;li&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Level 2&amp;nbsp;&lt;/font&gt;&lt;/b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;- Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or&lt;/font&gt;&amp;nbsp;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;indirectly. These might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or&lt;/font&gt;&amp;nbsp;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or&lt;/font&gt;&amp;nbsp;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;liability (such as interest rates, volatilities, prepayment speeds, credit risks, etc.) or inputs that are derived principally from or&lt;/font&gt;&amp;nbsp;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;corroborated by market data by correlation or other means.&lt;/font&gt;
&lt;/li&gt;
&lt;li&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Level 3&amp;nbsp;&lt;/font&gt;&lt;/b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;- Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity's own assumptions&lt;/font&gt;&amp;nbsp;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;about the assumptions that market participants would use in pricing the assets or liabilities.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;In general, fair value is based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon internally developed models that primarily use, as inputs, observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. These adjustments may include amounts to reflect counterparty credit quality and the company's creditworthiness, among other things, as well as unobservable parameters. Any such valuation adjustments are applied consistently over time. The Company's valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes the Company's valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. Furthermore, the reported fair value amounts have not been comprehensively revalued since the presentation dates, and therefore, estimates of fair value after the balance sheet date may differ significantly from the amounts presented herein. A more detailed description of the valuation methodologies used for assets and liabilities measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Securities available for sale: &lt;/font&gt;&lt;/b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Securities classified as available for sale are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond's terms and conditions, among other things.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Loans held for sale: &lt;/font&gt;&lt;/b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The fair value of loans held for sale is determined using quoted secondary market prices and investor commitments. Loans held for sale are classified as Level 2 in the fair value hierarchy.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Collateral dependent impaired loans: &lt;/font&gt;&lt;/b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fair value of impaired loans with specific allocations of the allowance for loan losses is measured based on the value of the collateral securing these loans and is classified as Level 3 in the fair value hierarchy. Collateral may be real estate and/or business assets including equipment, inventory and/or accounts receivable and collateral value is determined based on appraisals performed by qualified licensed appraisers hired by the Company. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Appraised and reported values may be discounted based on management's historical knowledge, changes in market conditions from the time of valuation, and/or management's expertise and knowledge of the client and the client's business. Such discounts are typically significant and result in a Level 3 classification of the inputs for determining fair value. Impaired loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on the same factors identified above.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Loan servicing rights: &lt;/font&gt;&lt;/b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loan servicing rights do not trade in an active market with readily observable market data. As a result, the Company estimates the fair value of loan servicing rights by using a discounted cash flow model to calculate the present value of estimated future net servicing income. The assumptions used in the discounted cash flow model are those that we believe market participants would use in estimating future net servicing income, including estimates of loan prepayment rates, servicing costs, ancillary income, impound account balances, and discount rates. The significant unobservable inputs used in the fair value measurement of the Company's loan servicing rights are the constant prepayment rates and weighted average discount rate. Significant increases (decreases) in any of those inputs in isolation could result in a significantly lower (higher) fair value measurement. Although the constant prepayment rate and the discount rate are not directly interrelated, they will generally move in opposite directions. Loan servicing rights are classified as Level 3 measurements due to the use of significant unobservable inputs, as well as significant management judgment and estimation.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Other real estate owned (Foreclosed assets): &lt;/font&gt;&lt;/b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Nonrecurring adjustments to certain commercial and residential real estate properties classified as other real estate owned are measured at the lower of carrying amount or fair value, less costs to sell. Fair values are generally based on third party appraisals of the property, resulting in a Level 3 classification. The appraisals are sometimes further discounted based on management's historical knowledge, changes in market conditions from the time of valuation, and/or management's expertise and knowledge of the client and client's business. Such discounts are typically significant and result in a Level 3 classification of the inputs for determining fair value. In cases where the carrying amount exceeds the fair value, less costs to sell, an impairment loss is recognized.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Commitments to extend credit and letters of credit: &lt;/font&gt;&lt;/b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commitments to extend credit and fund letters of credit are principally at current interest rates, and, therefore, the carrying amount approximates fair value. The fair value of commitments is not material.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Assets Measured at Fair Value &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The following table presents for each of the fair-value hierarchy levels the Company's assets that are measured at fair value on a recurring and non-recurring basis as of December 31 (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="58%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="6%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="58%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Quoted Prices&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="58%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;in Active&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="58%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Markets for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Significant&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="58%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Identical&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Significant&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="58%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Assets or&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Observable&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Unobservable&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="58%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Liabilities&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="58%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(Level 1)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(Level 2)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(Level 3)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Measured on a recurring basis:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Securities available for sale:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;U.S. Government agencies and government sponsored enterprises&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;260,863&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="right"&gt;&amp;nbsp;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;260,863&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;283,314&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;283,314&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Asset-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;218&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;218&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="58%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;544,395&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;544,395&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Measured on a nonrecurring basis:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans held for sale&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,430&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="right"&gt;&amp;nbsp;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,430&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collateral dependent impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,485&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,485&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other assets:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loan servicing rights&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,241&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,241&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other real estate owned&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;163&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;163&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="58%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,430&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,889&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,319&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td bgcolor="#c6d9f1" width="99%" colspan="9"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Measured on a recurring basis:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Securities available for sale:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;U.S. Government agencies and government sponsored enterprises&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;160,475&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="right"&gt;&amp;nbsp;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;160,475&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;461,788&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;461,788&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Asset-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;231&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;231&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="58%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;622,494&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;622,494&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Measured on a nonrecurring basis:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans held for sale&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;755&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="right"&gt;&amp;nbsp;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;755&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collateral dependent impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,652&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,652&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other assets:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loan servicing rights&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,359&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,359&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="58%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other real estate owned&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;194&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;194&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="58%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="6%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;755&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="1%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,205&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,960&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;There were no transfers between Levels 1 and 2 during the years ended December 31, 2015 and 2014. There were no liabilities measured at fair value on a recurring or nonrecurring basis during the years ended December 31, 2015 and 2014.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The following table presents additional quantitative information about assets measured at fair value on a recurring and nonrecurring basis for which the Company has utilized Level 3 inputs to determine fair value (dollars in thousands).&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="27%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="20%"&gt; &lt;/td&gt;
&lt;td width="24%"&gt; &lt;/td&gt;
&lt;td width="18%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="20%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="24%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Unobservable Input&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="27%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Asset&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="20%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Valuation Technique&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 7px;" width="24%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Unobservable Input&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="18%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Value or Range&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="27%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collateral dependent impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,485&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="20%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Appraisal of collateral&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="24%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Appraisal adjustments&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="18%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;0&lt;/font&gt;&lt;/font&gt;% - &lt;font class="_mt"&gt;100&lt;/font&gt;% discount&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td bgcolor="#c6d9f1" width="99%" colspan="6"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="27%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loan servicing rights&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,241&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="20%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Discounted cash flow&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="24%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Discount rate&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="18%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5.0&lt;/font&gt;&lt;/font&gt;%&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3)&lt;/font&gt;&lt;/sup&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="20%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="24%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Constant prepayment rate&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="18%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12.4&lt;/font&gt;&lt;/font&gt;%&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3)&lt;/font&gt;&lt;/sup&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td bgcolor="#c6d9f1" width="99%" colspan="6"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="27%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other real estate owned&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;163&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="20%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Appraisal of collateral&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="24%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Appraisal adjustments&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="18%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9&lt;/font&gt;&lt;/font&gt;% - &lt;font class="_mt"&gt;58&lt;/font&gt;% discount&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1) &lt;/font&gt;&lt;/sup&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are not identifiable.&lt;/font&gt;&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2) &lt;/font&gt;&lt;/sup&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.&lt;/font&gt;&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3) &lt;/font&gt;&lt;/sup&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Weighted averages.&lt;/font&gt;&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Changes in Level 3 Fair Value Measurements&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;There were no assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) as of or during the years ended December 31, 2015 and 2014.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Disclosures about Fair Value of Financial Instruments&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The assumptions used below are expected to approximate those that market participants would use in valuing these financial instruments.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fair value estimates are made at a specific point in time, based on available market information and judgments about the financial instrument, including estimates of timing, amount of expected future cash flows and the credit standing of the issuer. Such estimates do not consider the tax impact of the realization of unrealized gains or losses. In some cases, the fair value estimates cannot be substantiated by comparison to independent markets. In addition, the disclosed fair value may not be realized in the immediate settlement of the financial instrument. Care should be exercised in deriving conclusions about our business, its value or financial position based on the fair value information of financial instruments presented below.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The estimated fair value approximates carrying value for cash and cash equivalents, FHLB and FRB stock, accrued interest receivable, non-maturity deposits, short-term borrowings and accrued interest payable. Fair value estimates for other financial instruments not included elsewhere in this disclosure are discussed below.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Securities held to maturity: &lt;/font&gt;&lt;/b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The fair value of the Company's investment securities held to maturity is primarily measured using information from a third-party pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond's terms and conditions, among other things.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Loans: &lt;/font&gt;&lt;/b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The fair value of the Company's loans was estimated by discounting the expected future cash flows using the current interest rates at which similar loans would be made for the same remaining maturities. Loans were first segregated by type such as commercial, residential mortgage, and consumer, and were then further segmented into fixed and variable rate and loan quality categories. Expected future cash flows were projected based on contractual cash flows, adjusted for estimated prepayments.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Time deposits: &lt;/font&gt;&lt;/b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The fair value of time deposits was estimated using a discounted cash flow approach that applies prevailing market interest rates for similar maturity instruments. The fair values of the Company's time deposit liabilities do not take into consideration the value of the Company's long-term relationships with depositors, which may have significant value.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Long-term borrowings: &lt;/font&gt;&lt;/b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Long-term borrowings consist of $&lt;font class="_mt"&gt;40&lt;/font&gt; million of subordinated notes issued during the second quarter of 2015. The subordinated notes are publicly traded and are valued based on market prices, which are characterized as Level 2 liabilities in the fair value hierarchy.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The following presents the carrying amount, estimated fair value, and placement in the fair value measurement hierarchy of the Company's financial instruments as of December 31(in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="28%"&gt; &lt;/td&gt;
&lt;td width="20%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="11%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 3px;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Level in&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="3" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Estimated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Estimated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Measurement&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Carrying&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 3px;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Carrying&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 3px;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Hierarchy&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Financial assets:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash and cash equivalents&lt;/font&gt;&lt;/td&gt;
&lt;td align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 1&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;60,121&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;60,121&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;58,151&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;58,151&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Securities available for sale&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 2&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;544,395&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;544,395&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;622,494&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;622,494&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Securities held to maturity&lt;/font&gt;&lt;/td&gt;
&lt;td align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 2&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;485,717&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;490,064&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;294,438&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;298,695&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans held for sale&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 2&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,430&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,430&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;755&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;755&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans&lt;/font&gt;&lt;/td&gt;
&lt;td align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 2&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,055,192&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,046,235&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,881,713&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,887,959&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 3&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,485&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,485&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,652&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,652&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Accrued interest receivable&lt;/font&gt;&lt;/td&gt;
&lt;td align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 1&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,609&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,609&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,104&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,104&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;FHLB and FRB stock&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 2&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19,991&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19,991&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19,014&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19,014&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Financial liabilities:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Non-maturity deposits&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 1&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,093,513&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,093,513&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,857,285&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,857,285&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Time deposits&lt;/font&gt;&lt;/td&gt;
&lt;td align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 2&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;637,018&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;636,159&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;593,242&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;593,793&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Short-term borrowings&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 1&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;293,100&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;293,100&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;334,804&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;334,804&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Long-term borrowings&lt;/font&gt;&lt;/td&gt;
&lt;td align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 2&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;38,990&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;40,313&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
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&lt;tr&gt;&lt;td width="42%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="41%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Commercial Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Business&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Uncriticized&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;298,413&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;551,603&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Special mention&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,916&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,015&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Substandard&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,146&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,863&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Doubtful&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;313,475&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;567,481&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="5"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Uncriticized&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;250,961&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;460,880&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Special mention&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,530&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,411&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Substandard&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,886&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,116&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Doubtful&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;267,377&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;476,407&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock>
  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment contextRef="As_Of_12_31_2013" unitRef="Unit12" decimals="-3">13137000</us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment contextRef="As_Of_12_31_2013_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">3474000</us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment contextRef="As_Of_12_31_2013_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">9663000</us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">7308000</us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment contextRef="As_Of_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">4288000</us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment contextRef="As_Of_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">3020000</us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">4869000</us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment contextRef="As_Of_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">3922000</us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment contextRef="As_Of_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">947000</us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit17" decimals="0">1</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit17" decimals="0">1</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 xsi:nil="true" contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit17" />
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit17" decimals="0">3</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit17" decimals="0">2</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit17" decimals="0">1</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">1381000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">1381000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 xsi:nil="true" contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" />
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">1672000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">1342000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">330000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPreModificationRecordedInvestment2 contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">1381000</us-gaap:FinancingReceivableModificationsPreModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPreModificationRecordedInvestment2 contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">1381000</us-gaap:FinancingReceivableModificationsPreModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPreModificationRecordedInvestment2 xsi:nil="true" contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" />
  <us-gaap:FinancingReceivableModificationsPreModificationRecordedInvestment2 contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">2024000</us-gaap:FinancingReceivableModificationsPreModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPreModificationRecordedInvestment2 contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">1342000</us-gaap:FinancingReceivableModificationsPreModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPreModificationRecordedInvestment2 contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">682000</us-gaap:FinancingReceivableModificationsPreModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1 contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit17" decimals="INF">2</us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1 contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-5">1300000</us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">3808000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue contextRef="As_Of_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">28000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue contextRef="As_Of_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_ConsumerIndirectMember" unitRef="Unit12" decimals="-3">2429000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue contextRef="As_Of_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">83000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue contextRef="As_Of_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_ConsumerOtherFinancingReceivableMember" unitRef="Unit12" decimals="-3">148000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue contextRef="As_Of_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_HomeEquityMember" unitRef="Unit12" decimals="-3">799000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue contextRef="As_Of_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_ResidentialMortgageMember" unitRef="Unit12" decimals="-3">321000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">3384000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue contextRef="As_Of_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">321000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue contextRef="As_Of_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_ConsumerIndirectMember" unitRef="Unit12" decimals="-3">1975000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue contextRef="As_Of_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">68000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
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  <us-gaap:FiniteLivedIntangibleAssetUsefulLife contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_us-gaap_CoreDepositsMember">P9Y6M</us-gaap:FiniteLivedIntangibleAssetUsefulLife>
  <us-gaap:FiniteLivedIntangibleAssetUsefulLife contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_us-gaap_OtherIntangibleAssetsMember">P20Y</us-gaap:FiniteLivedIntangibleAssetUsefulLife>
  <us-gaap:GainLossOnSaleOfOtherAssets contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">-103000</us-gaap:GainLossOnSaleOfOtherAssets>
  <us-gaap:GainLossOnSaleOfOtherAssets contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">69000</us-gaap:GainLossOnSaleOfOtherAssets>
  <us-gaap:GainLossOnSaleOfOtherAssets contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">27000</us-gaap:GainLossOnSaleOfOtherAssets>
  <us-gaap:GainLossOnSaleOfSecuritiesNet contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">1226000</us-gaap:GainLossOnSaleOfSecuritiesNet>
  <us-gaap:GainLossOnSaleOfSecuritiesNet contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">2041000</us-gaap:GainLossOnSaleOfSecuritiesNet>
  <us-gaap:GainLossOnSaleOfSecuritiesNet contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="Unit12" decimals="-3">2041000</us-gaap:GainLossOnSaleOfSecuritiesNet>
  <us-gaap:GainLossOnSaleOfSecuritiesNet contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">1988000</us-gaap:GainLossOnSaleOfSecuritiesNet>
  <us-gaap:GainLossOnSaleOfSecuritiesNet contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="Unit12" decimals="-3">1988000</us-gaap:GainLossOnSaleOfSecuritiesNet>
  <us-gaap:GainLossOnSalesOfLoansNet contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">117000</us-gaap:GainLossOnSalesOfLoansNet>
  <us-gaap:GainLossOnSalesOfLoansNet contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">313000</us-gaap:GainLossOnSalesOfLoansNet>
  <us-gaap:GainLossOnSalesOfLoansNet contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">249000</us-gaap:GainLossOnSalesOfLoansNet>
  <us-gaap:Goodwill contextRef="As_Of_12_31_2013" unitRef="Unit12" decimals="-3">48536000</us-gaap:Goodwill>
  <us-gaap:Goodwill contextRef="As_Of_12_31_2013_us-gaap_StatementBusinessSegmentsAxis_fisi_BankingSegmentMember" unitRef="Unit12" decimals="-3">48536000</us-gaap:Goodwill>
  <us-gaap:Goodwill xsi:nil="true" contextRef="As_Of_12_31_2013_us-gaap_StatementBusinessSegmentsAxis_fisi_InsuranceSegmentMember" unitRef="Unit12" />
  <us-gaap:Goodwill contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">61153000</us-gaap:Goodwill>
  <us-gaap:Goodwill contextRef="As_Of_12_31_2014_us-gaap_StatementBusinessSegmentsAxis_fisi_BankingSegmentMember" unitRef="Unit12" decimals="-3">48536000</us-gaap:Goodwill>
  <us-gaap:Goodwill contextRef="As_Of_12_31_2014_us-gaap_StatementBusinessSegmentsAxis_fisi_InsuranceSegmentMember" unitRef="Unit12" decimals="-3">12617000</us-gaap:Goodwill>
  <us-gaap:Goodwill contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">60402000</us-gaap:Goodwill>
  <us-gaap:Goodwill contextRef="As_Of_12_31_2015_us-gaap_StatementBusinessSegmentsAxis_fisi_BankingSegmentMember" unitRef="Unit12" decimals="-3">48536000</us-gaap:Goodwill>
  <us-gaap:Goodwill contextRef="As_Of_12_31_2015_us-gaap_StatementBusinessSegmentsAxis_fisi_InsuranceSegmentMember" unitRef="Unit12" decimals="-3">11866000</us-gaap:Goodwill>
  <us-gaap:GoodwillAcquiredDuringPeriod contextRef="Duration_8_1_2014_To_8_1_2014_us-gaap_BusinessAcquisitionAxis_fisi_ScottDanahyNaylonCo.Inc.Member" unitRef="Unit12" decimals="-3">12617000</us-gaap:GoodwillAcquiredDuringPeriod>
  <us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(7.) GOODWILL AND OTHER INTANGIBLE ASSETS&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Goodwill&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Goodwill is not amortized but, instead, is subject to impairment tests on at least an annual basis, and more frequently if an event occurs or circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying amount. The Company performs its annual impairment test of goodwill as of September 30 of each year. See Note 1 for the Company's accounting policy for goodwill and other intangible assets.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company performed a qualitative assessment of goodwill to determine if it was more likely than not that the fair value of any of its reporting units was less than its carrying value. In performing a qualitative analysis, factors considered include, but are not limited to, business strategy, financial performance and market and regulatory dynamics. Based on its assessment, the Company concluded it was more likely than not that the fair value of its Insurance reporting unit was less than its carrying value. Accordingly, the Company performed a Step 1 review for possible goodwill impairment.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Under Step 1 of the goodwill impairment review, the fair value of the Insurance reporting unit was calculated using income and market-based approaches. Under Step 1, it was determined that the carrying value of our Insurance reporting unit exceeded its fair value. For Step 2, the implied fair value of the Insurance reporting unit's goodwill was compared with the carrying amount of the goodwill for the Insurance reporting unit. Based on this assessment, the Company recorded a goodwill impairment charge related to the Insurance reporting unit of $751 thousand during the quarter ended December 31, 2015.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The results of the qualitative assessment for 2014 indicated that it was not more likely than not that the fair value of any of the Company's reporting units was less than its carrying value. Consequently, no additional quantitative two-step impairment test was required, and no impairment was recorded in 2014.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Declines in the market value of the Company's publicly traded stock price or declines in the Company's ability to generate future cash flows may increase the potential that goodwill recorded on the Company's consolidated statement of financial condition be designated as impaired and that the Company may incur a goodwill write-down in the future.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The change in the balance for goodwill during the years ended December 31 was as follows (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="38%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="29%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Banking&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Insurance&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Balance, January 1, 2014&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48,536&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48,536&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Acquisition&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,617&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,617&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Balance, December 31, 2014&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48,536&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,617&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;61,153&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Impairment&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(751&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(751&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Balance, December 31, 2015&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48,536&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11,866&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;60,402&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Other Intangible Assets&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company has other intangible assets that are amortized, consisting of core deposit intangibles and other intangibles. Changes in the gross carrying amount, accumulated amortization and net book value for the years ended December 31 were as follows (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="44%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="31%" align="right"&gt; &lt;/td&gt;
&lt;td width="4%" align="right"&gt; &lt;/td&gt;
&lt;td width="2%" align="right"&gt; &lt;/td&gt;
&lt;td width="3%" align="right"&gt; &lt;/td&gt;
&lt;td width="8%" align="right"&gt; &lt;/td&gt;
&lt;td width="2%" align="right"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Core deposit intangibles:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Gross carrying amount&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,042&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,042&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Accumulated amortization&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" colspan="2" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,213&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(917&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net book value&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;829&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,125&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization during the year&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;296&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;341&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td bgcolor="#c6d9f1" colspan="8"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Other intangibles:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Gross carrying amount&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,640&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,640&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Accumulated amortization&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" colspan="2" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(925&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(279&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net book value&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" colspan="2" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,715&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,361&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization during the year&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;646&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;279&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Core deposit intangible amortization expense was $&lt;font class="_mt"&gt;387&lt;/font&gt; thousand for the year ended December 31, 2013. Estimated amortization expense of other intangible assets for each of the next five years is as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="42%"&gt; &lt;/td&gt;
&lt;td width="43%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2016&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;864&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2017&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;778&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2018&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;689&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2019&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;611&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2020&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;533&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;&lt;br /&gt; &lt;/div&gt;</us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock>
  <us-gaap:GoodwillAndIntangibleAssetsPolicyTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(l.) Goodwill and Other Intangible Assets&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The excess of the cost of an acquisition over the fair value of the net assets acquired consists primarily of goodwill, core deposit intangibles, and other identifiable intangible assets. Intangible assets are acquired assets that lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract, asset, or liability. The Company's intangible assets consist of core deposits and other intangible assets (primarily customer relationships). Core deposit intangible assets are amortized on an accelerated basis over their estimated life of approximately&amp;nbsp;&lt;font class="_mt"&gt;nine&lt;/font&gt; and a half years. Other intangible assets are amortized on an accelerated basis over their weighted average estimated life of approximately&amp;nbsp;&lt;font class="_mt"&gt;twenty&lt;/font&gt; years. The Company reviews long-lived assets and certain identifiable intangibles for impairment at least annually, or whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable, in which case an impairment charge would be recorded.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Goodwill is not amortized but, instead, is subject to impairment tests on at least an annual basis, and more frequently if an event occurs or circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying amount. The impairment testing process is conducted by assigning net assets and goodwill to each reporting unit. An initial qualitative evaluation is made to assess the likelihood of impairment and determine whether further quantitative testing to calculate the fair value is necessary. When the qualitative evaluation indicates that impairment is more likely than not, quantitative testing is required whereby the fair value of each reporting unit is calculated and compared to the recorded book value, "Step 1." If the calculated fair value of the reporting unit exceeds its carrying value, goodwill is not considered impaired and "Step 2" is not considered necessary. If the carrying value of a reporting unit exceeds its calculated fair value, the impairment test continues ("Step 2") by comparing the carrying value of the reporting unit's goodwill to the implied fair value of goodwill. The implied fair value is computed by adjusting all assets and liabilities of the reporting unit to current fair value with the offset adjustment to goodwill. The adjusted goodwill balance is the implied fair value of the goodwill. An impairment charge is recognized if the carrying value of goodwill exceeds the implied fair value of goodwill. See Note 7 for additional information on goodwill and other intangible assets.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:GoodwillAndIntangibleAssetsPolicyTextBlock>
  <us-gaap:GoodwillImpairmentLoss contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">751000</us-gaap:GoodwillImpairmentLoss>
  <us-gaap:GoodwillImpairmentLoss xsi:nil="true" contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementBusinessSegmentsAxis_fisi_BankingSegmentMember" unitRef="Unit12" />
  <us-gaap:GoodwillImpairmentLoss contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementBusinessSegmentsAxis_fisi_InsuranceSegmentMember" unitRef="Unit12" decimals="-3">751000</us-gaap:GoodwillImpairmentLoss>
  <us-gaap:GoodwillPeriodIncreaseDecrease contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">12617000</us-gaap:GoodwillPeriodIncreaseDecrease>
  <us-gaap:GoodwillPeriodIncreaseDecrease xsi:nil="true" contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementBusinessSegmentsAxis_fisi_BankingSegmentMember" unitRef="Unit12" />
  <us-gaap:GoodwillPeriodIncreaseDecrease contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementBusinessSegmentsAxis_fisi_InsuranceSegmentMember" unitRef="Unit12" decimals="-3">12617000</us-gaap:GoodwillPeriodIncreaseDecrease>
  <us-gaap:HeldToMaturitySecurities contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">294438000</us-gaap:HeldToMaturitySecurities>
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  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="As_Of_12_31_2014_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USStatesAndPoliticalSubdivisionsMember" unitRef="Unit12" decimals="-3">281384000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="Unit12" decimals="-3">294438000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="Unit12" decimals="-3">298695000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="As_Of_12_31_2014_us-gaap_InvestmentTypeAxis_us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesMember" unitRef="Unit12" decimals="-3">3303000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="As_Of_12_31_2014_us-gaap_InvestmentTypeAxis_us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesMember" unitRef="Unit12" decimals="-3">14008000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">490064000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="As_Of_12_31_2015_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesMember" unitRef="Unit12" decimals="-3">189083000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="As_Of_12_31_2015_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USStatesAndPoliticalSubdivisionsMember" unitRef="Unit12" decimals="-3">300981000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="Unit12" decimals="-3">485717000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="Unit12" decimals="-3">490064000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="As_Of_12_31_2015_us-gaap_InvestmentTypeAxis_us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CollateralizedMortgageObligationsMember" unitRef="Unit12" decimals="-3">79450000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="As_Of_12_31_2015_us-gaap_InvestmentTypeAxis_us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CollateralizedMortgageObligationsMember" unitRef="Unit12" decimals="-3">55973000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="As_Of_12_31_2015_us-gaap_InvestmentTypeAxis_us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesMember" unitRef="Unit12" decimals="-3">9177000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="As_Of_12_31_2015_us-gaap_InvestmentTypeAxis_us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CollateralizedMortgageObligationsMember" unitRef="Unit12" decimals="-3">19002000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="As_Of_12_31_2015_us-gaap_InvestmentTypeAxis_us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesMember" unitRef="Unit12" decimals="-3">25481000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">6003000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">4760000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod xsi:nil="true" contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" />
  <us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod xsi:nil="true" contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" />
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="Item-0052" contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">7308000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="Item-0038" contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">4869000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">2467000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="As_Of_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">1556000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="As_Of_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">911000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">1006000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="As_Of_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">996000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="As_Of_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">10000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivablesTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="32%"&gt; &lt;/td&gt;
&lt;td width="11%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Unpaid&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Interest&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Principal&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Related&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 1px;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Income&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Investment&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Balance&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Allowance&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Recognized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;With no related allowance recorded:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial business&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,441&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,810&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,352&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;937&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,285&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,013&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,378&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,095&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,365&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;With an allowance recorded:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial business&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,481&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,481&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;996&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,946&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;449&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,491&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,491&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,006&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,395&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,869&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,586&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,006&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,760&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="11"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;With no related allowance recorded:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial business&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 1px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,408&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,741&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,431&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;781&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;920&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,014&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,189&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,661&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,445&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;With an allowance recorded:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial business&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,880&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,880&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,556&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,998&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,239&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,239&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;911&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,560&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,119&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,119&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,467&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,558&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="11"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 1px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,308&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,780&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,467&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,003&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="1"&gt;(1) &lt;/font&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Difference between recorded investment and unpaid principal balance represents partial charge-offs.&lt;/font&gt;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ImpairedFinancingReceivablesTableTextBlock>
  <us-gaap:ImpairedFinancingReceivableUnpaidPrincipalBalance id="Item-0053" contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">7780000</us-gaap:ImpairedFinancingReceivableUnpaidPrincipalBalance>
  <us-gaap:ImpairedFinancingReceivableUnpaidPrincipalBalance id="Item-0039" contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">5586000</us-gaap:ImpairedFinancingReceivableUnpaidPrincipalBalance>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">2445000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">1431000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">1014000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">2365000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">1352000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">1013000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod xsi:nil="true" contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" />
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod xsi:nil="true" contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" />
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod xsi:nil="true" contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" />
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod xsi:nil="true" contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" />
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod xsi:nil="true" contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" />
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod xsi:nil="true" contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" />
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment id="Item-0044" contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">2189000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment id="Item-0040" contextRef="As_Of_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">1408000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment id="Item-0042" contextRef="As_Of_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">781000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment id="Item-0030" contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">2378000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment id="Item-0026" contextRef="As_Of_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">1441000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment id="Item-0028" contextRef="As_Of_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">937000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance id="Item-0045" contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">2661000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance id="Item-0041" contextRef="As_Of_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">1741000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance id="Item-0043" contextRef="As_Of_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">920000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance id="Item-0031" contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">3095000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance id="Item-0027" contextRef="As_Of_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">1810000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance id="Item-0029" contextRef="As_Of_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">1285000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance>
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">3558000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">1998000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">1560000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">2395000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">1946000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">449000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod xsi:nil="true" contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" />
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod xsi:nil="true" contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" />
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod xsi:nil="true" contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" />
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod xsi:nil="true" contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" />
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod xsi:nil="true" contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" />
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod xsi:nil="true" contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" />
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment id="Item-0050" contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">5119000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment id="Item-0046" contextRef="As_Of_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">2880000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment id="Item-0048" contextRef="As_Of_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">2239000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment id="Item-0036" contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">2491000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment id="Item-0032" contextRef="As_Of_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">2481000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment id="Item-0034" contextRef="As_Of_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">10000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance id="Item-0051" contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">5119000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance>
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance id="Item-0047" contextRef="As_Of_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">2880000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance>
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance id="Item-0049" contextRef="As_Of_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">2239000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance>
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance id="Item-0037" contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">2491000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance>
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance id="Item-0033" contextRef="As_Of_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">2481000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance>
  <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance id="Item-0035" contextRef="As_Of_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">10000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">37907000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="Duration_1_1_2013_To_12_31_2013_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">12533000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">38980000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementBusinessSegmentsAxis_fisi_BankingSegmentMember" unitRef="Unit12" decimals="-3">41730000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementBusinessSegmentsAxis_fisi_HoldingCompanyAndOtherSegmentMember" unitRef="Unit12" decimals="-3">-2946000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest id="Item-0065" contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementBusinessSegmentsAxis_fisi_InsuranceSegmentMember" unitRef="Unit12" decimals="-3">196000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="Duration_1_1_2014_To_12_31_2014_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">17974000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" unitRef="Unit12" decimals="-3">128000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="Unit12" decimals="-3">-2478000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">38876000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementBusinessSegmentsAxis_fisi_BankingSegmentMember" unitRef="Unit12" decimals="-3">42817000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementBusinessSegmentsAxis_fisi_HoldingCompanyAndOtherSegmentMember" unitRef="Unit12" decimals="-3">-3484000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest id="Item-0058" contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementBusinessSegmentsAxis_fisi_InsuranceSegmentMember" unitRef="Unit12" decimals="-3">-457000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="Duration_1_1_2015_To_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">12515000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" unitRef="Unit12" decimals="-3">895000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="Unit12" decimals="-3">-2251000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
  <us-gaap:IncomeLossFromEquityMethodInvestments contextRef="Duration_1_1_2013_To_12_31_2013_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">11977000</us-gaap:IncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromEquityMethodInvestments contextRef="Duration_1_1_2014_To_12_31_2014_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">10261000</us-gaap:IncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromEquityMethodInvestments contextRef="Duration_1_1_2015_To_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">14008000</us-gaap:IncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeTaxDisclosureTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(15.) INCOME TAXES&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The income tax expense for the years ended December 31 consisted of the following (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="40%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="30%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Current tax expense (benefit):&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,720&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,546&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,917&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;State&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;21&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(75&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,913&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total current tax expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,741&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,471&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,830&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Deferred tax expense (benefit):&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,440&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,538&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,251&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;State&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;358&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(384&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;296&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total deferred tax expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,798&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,154&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,547&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total income tax expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,539&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,625&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,377&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income tax expense differed from the statutory federal income tax rate for the years ended December 31 as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="50%"&gt; &lt;/td&gt;
&lt;td width="20%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Statutory federal tax rate&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;35.0&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;35.0&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;35.0&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Increase (decrease) resulting from:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Tax exempt interest income&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(6.1&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(5.1&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(4.8&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Tax credits and adjustments&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(0.7&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3.5&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Non-taxable earnings on company owned life insurance&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1.8&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1.6&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1.6&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;State taxes, net of federal tax benefit&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;0.7&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(0.8&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.8&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Nondeductible expenses&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;0.3&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;0.5&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;0.2&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Goodwill and contingent consideration adjustments&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(0.3&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other, net&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;0.2&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;0.1&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Effective tax rate&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;27.1&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;24.7&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;32.7&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total income tax expense (benefit) was allocated as follows for the years ended December 31 (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="36%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="33%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income tax expense&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,539&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,625&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,377&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Shareholder's equity&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,456&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;925&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(8,817&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company recognizes deferred income taxes for the estimated future tax effects of differences between the tax and financial statement bases of assets and liabilities considering enacted tax laws. These differences result in deferred tax assets and liabilities, which are included in other assets in the Company's consolidated statements of condition. The Company also assesses the likelihood that deferred tax assets will be realizable based on, among other considerations, future taxable income and establishes, if necessary, a valuation allowance for those deferred tax assets determined to not likely be realizable. A deferred tax asset valuation allowance is recognized if, based on the weight of available evidence (both positive and negative), it is more likely than not that some portion or all of the deferred tax assets will not be realized. The future realization of deferred tax benefits depends upon the existence of sufficient taxable income within the carry-back and carry-forward periods. Management's judgment is required in determining the appropriate recognition of deferred tax assets and liabilities, including projections of future taxable income.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company's net deferred tax asset is included in other assets in the consolidated statements of condition. The tax effects of temporary differences that give rise to the deferred tax assets and deferred tax liabilities are as follows at December 31 (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="58%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="27%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Deferred tax assets:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Allowance for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,452&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,666&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Deferred compensation&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;972&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;938&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Investment in limited partnerships&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;954&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;953&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;SERP agreements&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;767&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;704&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Interest on nonaccrual loans&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;615&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;664&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Benefit of tax credit carryforwards&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;502&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;569&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Share-based compensation&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;538&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;565&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net unrealized loss on securities available for sale&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;420&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other than temporary impairment of investment securities&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,917&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;328&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;520&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Gross deferred tax assets&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;15,548&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17,496&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Deferred tax liabilities:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Prepaid pension costs&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,065&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,346&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Intangible assets&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,667&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,662&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Depreciation and amortization&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,004&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,249&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net unrealized gain on securities available for sale&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,039&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loan servicing assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;479&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;525&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Gross deferred tax liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,215&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,821&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net deferred tax asset&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,333&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,675&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;In March 2014, the New York legislature approved changes in the state tax law that will be phased-in over two years, beginning in 2015. The primary changes that impact us include the repeal of the Article 32 franchise tax on banking corporations ("Article 32A") for 2015, expanded nexus standards for 2015 and a reduction in the corporate tax rate for 2016. The repeal of Article 32A and the expanded nexus standards lowered our taxable income apportioned to New York in 2015 compared to 2014. In addition, the New York state income tax rate will be reduced from &lt;font class="_mt"&gt;7.1&lt;/font&gt;% to &lt;font class="_mt"&gt;6.5&lt;/font&gt;% in 2016.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Based upon the Company's historical and projected future levels of pre-tax and taxable income, the scheduled reversals of taxable temporary differences to offset future deductible amounts, and prudent and feasible tax planning strategies, management believes it is more likely than not that the deferred tax assets will be realized. As such,&amp;nbsp;&lt;font class="_mt"&gt;no&lt;/font&gt; valuation allowance has been recorded as of December 31, 2015 or 2014.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company and its subsidiaries are primarily subject to federal and New York income taxes. The federal income tax years currently open for audit are 2013 through 2015. The New York income tax years currently open for audit are 2012 through 2015.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;At December 31, 2015, the Company had no federal or New York net operating loss carryforwards. The Company has New York tax credits of approximately $&lt;font class="_mt"&gt;800&lt;/font&gt; thousand which have an unlimited carryforward period.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company's unrecognized tax benefits and changes in unrecognized tax benefits were not significant as of or for the years ended December 31, 2015, 2014 and 2013. There were&amp;nbsp;&lt;font class="_mt"&gt;no&lt;/font&gt; material interest or penalties recorded in the income statement in income tax expense for the years ended December 31, 2015, 2014 and 2013. As of December 31, 2015 and 2014, there were&amp;nbsp;&lt;font class="_mt"&gt;no&lt;/font&gt; amounts accrued for interest or penalties related to uncertain tax positions.&lt;/font&gt;&lt;/p&gt; &lt;/div&gt;</us-gaap:IncomeTaxDisclosureTextBlock>
  <us-gaap:IncomeTaxEffectsAllocatedDirectlyToEquity contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">-8817000</us-gaap:IncomeTaxEffectsAllocatedDirectlyToEquity>
  <us-gaap:IncomeTaxEffectsAllocatedDirectlyToEquity contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">925000</us-gaap:IncomeTaxEffectsAllocatedDirectlyToEquity>
  <us-gaap:IncomeTaxEffectsAllocatedDirectlyToEquity contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">-1456000</us-gaap:IncomeTaxEffectsAllocatedDirectlyToEquity>
  <us-gaap:IncomeTaxesPaidNet contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">8095000</us-gaap:IncomeTaxesPaidNet>
  <us-gaap:IncomeTaxesPaidNet contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">13665000</us-gaap:IncomeTaxesPaidNet>
  <us-gaap:IncomeTaxesPaidNet contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">7494000</us-gaap:IncomeTaxesPaidNet>
  <us-gaap:IncomeTaxExpenseBenefit contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">12377000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit contextRef="Duration_1_1_2013_To_12_31_2013_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">-1020000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">9625000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementBusinessSegmentsAxis_fisi_BankingSegmentMember" unitRef="Unit12" decimals="-3">10735000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementBusinessSegmentsAxis_fisi_HoldingCompanyAndOtherSegmentMember" unitRef="Unit12" decimals="-3">-1119000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="Item-0066" contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementBusinessSegmentsAxis_fisi_InsuranceSegmentMember" unitRef="Unit12" decimals="-3">9000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit contextRef="Duration_1_1_2014_To_12_31_2014_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">-1120000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" unitRef="Unit12" decimals="-3">-51000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="Unit12" decimals="-3">981000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">10539000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementBusinessSegmentsAxis_fisi_BankingSegmentMember" unitRef="Unit12" decimals="-3">12230000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementBusinessSegmentsAxis_fisi_HoldingCompanyAndOtherSegmentMember" unitRef="Unit12" decimals="-3">-1812000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="Item-0059" contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementBusinessSegmentsAxis_fisi_InsuranceSegmentMember" unitRef="Unit12" decimals="-3">121000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit contextRef="Duration_1_1_2015_To_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">-1814000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" unitRef="Unit12" decimals="-3">-345000</us-gaap:IncomeTaxExpenseBenefit>
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&lt;tr&gt;&lt;td width="45%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="26%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Taxable interest and dividends&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;16,123&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,304&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,541&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Tax-exempt interest and dividends&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,752&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,298&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,922&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total interest and dividends on securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;21,875&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,602&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17,463&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:InterestAndOtherIncomeTableTextBlock>
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  <us-gaap:InterestPaidNet contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">9323000</us-gaap:InterestPaidNet>
  <us-gaap:InterestReceivable contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="Unit12" decimals="-3">8104000</us-gaap:InterestReceivable>
  <us-gaap:InterestReceivable contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="Unit12" decimals="-3">8104000</us-gaap:InterestReceivable>
  <us-gaap:InterestReceivable contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="Unit12" decimals="-3">8609000</us-gaap:InterestReceivable>
  <us-gaap:InterestReceivable contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="Unit12" decimals="-3">8609000</us-gaap:InterestReceivable>
  <us-gaap:InvestmentsAndCash contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">75584000</us-gaap:InvestmentsAndCash>
  <us-gaap:InvestmentsAndCash contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member" unitRef="Unit12" decimals="-3">25661000</us-gaap:InvestmentsAndCash>
  <us-gaap:InvestmentsAndCash contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">49923000</us-gaap:InvestmentsAndCash>
  <us-gaap:InvestmentsAndCash xsi:nil="true" contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <us-gaap:InvestmentsAndCash contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">72358000</us-gaap:InvestmentsAndCash>
  <us-gaap:InvestmentsAndCash contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member" unitRef="Unit12" decimals="-3">23644000</us-gaap:InvestmentsAndCash>
  <us-gaap:InvestmentsAndCash contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">46044000</us-gaap:InvestmentsAndCash>
  <us-gaap:InvestmentsAndCash contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" decimals="-3">2670000</us-gaap:InvestmentsAndCash>
  <us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="52%"&gt; &lt;/td&gt;
&lt;td width="25%"&gt; &lt;/td&gt;
&lt;td width="9%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amortized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Debt securities available for sale:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Due in one year or less&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,182&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,241&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Due from one to five years&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;174,053&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;173,336&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Due after five years through ten years&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;275,972&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;276,660&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Due after ten years&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;68,414&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;69,158&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;543,621&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;544,395&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Debt securities held to maturity:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Due in one year or less&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;22,188&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;22,261&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Due from one to five years&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;172,094&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;175,650&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Due after five years through ten years&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;116,362&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;119,183&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Due after ten years&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;175,073&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;172,970&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;485,717&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;490,064&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock>
  <us-gaap:InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures contextRef="As_Of_12_31_2014_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">273237000</us-gaap:InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures>
  <us-gaap:InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures contextRef="As_Of_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">318928000</us-gaap:InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures>
  <us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(3.) INVESTMENT SECURITIES&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The amortized cost and estimated fair value of investment securities are summarized below (in thousands).&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="38%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="16%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amortized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Gains&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;December 31, 2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Securities available for sale:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;U.S. Government agencies and government&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;sponsored enterprises&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;260,748&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,164&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,049&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;260,863&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage-backed securities:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;209,671&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,092&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,333&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;208,430&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal Home Loan Mortgage Corporation&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;24,564&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;282&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;194&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;24,652&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;26,465&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;943&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;27,404&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collateralized mortgage obligations:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;16,998&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;90&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;154&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;16,934&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal Home Loan Mortgage Corporation&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,175&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;91&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,085&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Privately issued&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;809&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;809&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 8px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;282,873&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,217&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,776&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;283,314&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Asset-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;218&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;218&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 11px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total available for sale securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;543,621&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,599&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,825&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;544,395&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Securities held to maturity:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;294,423&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,562&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;300,981&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage-backed securities:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,242&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;79&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,177&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,607&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;33&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;159&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,481&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collateralized mortgage obligations:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;56,791&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;818&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;55,973&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal Home Loan Mortgage Corporation&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;80,570&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,120&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;79,450&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19,084&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;101&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19,002&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 8px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;191,294&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;66&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,277&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;189,083&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 11px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total held to maturity securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;485,717&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,628&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,281&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;490,064&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="38%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="16%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;December 31, 2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Securities available for sale:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;U.S. Government agencies and government&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;sponsored enterprises&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;160,334&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,116&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;975&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;160,475&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage-backed securities:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;184,857&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,344&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,264&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;185,937&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal Home Loan Mortgage Corporation&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;29,478&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;799&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;30,270&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48,800&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,022&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;50,822&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collateralized mortgage obligations:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;76,247&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;489&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;944&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;75,792&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal Home Loan Mortgage Corporation&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;89,623&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;199&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,585&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;87,237&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;29,954&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;598&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;40&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;30,512&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Privately issued&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,218&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,218&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 8px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;458,959&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,669&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,840&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;461,788&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Asset-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;231&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;231&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 11px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total available for sale securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;619,293&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,016&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,815&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;622,494&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Securities held to maturity:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;277,273&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,231&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;120&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;281,384&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage-backed securities:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,279&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;24&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,303&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,886&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;122&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,008&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 8px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17,165&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;146&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17,311&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 11px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total held to maturity securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;294,438&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,377&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;120&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;298,695&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Investment securities with a total fair value of $&lt;font class="_mt"&gt;781.7&lt;/font&gt; million and $&lt;font class="_mt"&gt;768.6&lt;/font&gt; million at December 31, 2015 and 2014, respectively, were pledged as collateral to secure public deposits and for other purposes required or permitted by law.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;During the years ended December 31, 2015 and 2014, the Company transferred $&lt;font class="_mt"&gt;165.2&lt;/font&gt; million and $&lt;font class="_mt"&gt;12.8&lt;/font&gt; million, respectively, of available for sale mortgage backed securities to the held to maturity category, reflecting the Company's intent to hold those securities to maturity. Transfers of investment securities into the held to maturity category from the available for sale category are made at fair value at the date of transfer. The related $&lt;font class="_mt"&gt;1.1&lt;/font&gt; million and $&lt;font class="_mt"&gt;51&lt;/font&gt; thousand of unrealized holding losses that were included in the transfers during the years ended December 31, 2015 and 2014, respectively, are retained in accumulated other comprehensive income and in the carrying value of the held to maturity securities. These amounts will be amortized as an adjustment to interest income over the remaining life of the securities. This will offset the impact of amortization of the net premium created in the transfers. There were no gains or losses recognized as a result of these transfers.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Interest and dividends on securities for the years ended December 31 are summarized as follows (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="45%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="26%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Taxable interest and dividends&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;16,123&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,304&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,541&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Tax-exempt interest and dividends&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,752&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,298&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,922&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total interest and dividends on securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;21,875&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,602&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17,463&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Sales and calls of securities available for sale for the years ended December 31 were as follows (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="37%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="34%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Proceeds from sales&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;54,277&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;81,600&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Gross realized gains&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,000&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,043&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,226&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Gross realized losses&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The scheduled maturities of securities available for sale and securities held to maturity at December 31, 2015 are shown below. Actual expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations (in thousands).&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="52%"&gt; &lt;/td&gt;
&lt;td width="25%"&gt; &lt;/td&gt;
&lt;td width="9%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amortized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Debt securities available for sale:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Due in one year or less&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,182&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,241&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Due from one to five years&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;174,053&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;173,336&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Due after five years through ten years&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;275,972&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;276,660&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Due after ten years&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;68,414&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;69,158&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;543,621&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;544,395&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Debt securities held to maturity:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Due in one year or less&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;22,188&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;22,261&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Due from one to five years&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;172,094&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;175,650&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Due after five years through ten years&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;116,362&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;119,183&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Due after ten years&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;175,073&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;172,970&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;485,717&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;490,064&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Unrealized losses on investment securities and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position as of December 31 are summarized as follows (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="34%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="34%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="21%" colspan="3" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Less than 12 months&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="20%" colspan="3" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;12 months or longer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="18%" colspan="3" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="34%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 4px;" width="9%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 4px;" width="9%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="9%" align="center"&gt;&amp;nbsp;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 3px;" width="9%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="34%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" width="9%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="9%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;December 31, 2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Securities available for sale:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;U.S. Government agencies and government&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;sponsored enterprises&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;82,298&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;735&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;26,302&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;314&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;108,600&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,049&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage-backed securities:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;123,774&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,134&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,562&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;199&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;133,336&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,333&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal Home Loan Mortgage Corporation&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,660&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;194&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,660&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;194&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,405&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,405&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collateralized mortgage obligations:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,778&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;154&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,778&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;154&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 5px;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal Home Loan Mortgage Corporation&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,998&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;91&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,998&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;91&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="34%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;150,615&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,577&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,562&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;199&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;160,177&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,776&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="34%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total available for sale securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;232,913&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,312&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;35,864&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;513&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;268,777&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,825&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Securities held to maturity:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,075&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,075&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage-backed securities:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,666&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;79&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,666&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;79&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,790&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;159&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,790&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;159&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collateralized mortgage obligations:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;55,973&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;818&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;55,973&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;818&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal Home Loan Mortgage Corporation&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;79,323&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,120&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;79,323&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,120&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,559&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;101&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,559&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;101&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="34%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;164,311&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,277&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;164,311&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,277&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="34%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total held to maturity securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;167,386&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,281&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;167,386&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,281&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total temporarily impaired securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;400,299&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,593&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;35,864&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;513&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;436,163&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,106&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="100%" colspan="13"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;December 31, 2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Securities available for sale:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;U.S. Government agencies and government&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;sponsored enterprises&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;34,995&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;77&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;41,070&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;898&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;76,065&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;975&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage-backed securities:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,242&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;62,592&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,256&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;64,834&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,264&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal Home Loan Mortgage Corporation&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,387&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,387&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collateralized mortgage obligations:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11,228&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;24&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,644&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;920&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;36,872&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;944&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal Home Loan Mortgage Corporation&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;76,126&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,585&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;76,126&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,585&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 5px;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,510&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;40&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,510&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;40&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="34%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;16,857&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;39&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;166,872&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,801&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;183,729&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,840&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total available for sale securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;51,852&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;116&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;207,942&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,699&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;259,794&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,815&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Securities held to maturity:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,036&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;120&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,036&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;120&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total temporarily impaired securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;69,888&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;236&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;207,942&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,699&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;277,830&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,935&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The total number of security positions in the investment portfolio in an unrealized loss position at December 31, 2015 was&amp;nbsp;&lt;font class="_mt"&gt;152&lt;/font&gt; compared to&amp;nbsp;&lt;font class="_mt"&gt;122&lt;/font&gt; at December 31, 2014. At December 31, 2015, the Company had positions in&amp;nbsp;&lt;font class="_mt"&gt;10&lt;/font&gt; investment securities with a fair value of $35.9 million and a total unrealized loss of $513 thousand that have been in a continuous unrealized loss position for more than 12 months. At December 31, 2015, there were a total of&amp;nbsp;&lt;font class="_mt"&gt;142&lt;/font&gt; securities positions in the Company's investment portfolio with a fair value of $400.3 million and a total unrealized loss of $5.6 million that had been in a continuous unrealized loss position for less than 12 months. At December 31, 2014, the Company had positions in&amp;nbsp;&lt;font class="_mt"&gt;51&lt;/font&gt; investment securities with a fair value of $207.9 million and a total unrealized loss of $5.7 million that have been in a continuous unrealized loss position for more than 12 months. At December 31, 2014, there were a total of&amp;nbsp;&lt;font class="_mt"&gt;71&lt;/font&gt; securities positions in the Company's investment portfolio with a fair value of $69.9 million and a total unrealized loss of $236 thousand that had been in a continuous unrealized loss position for less than 12 months. The unrealized loss on investment securities was predominantly caused by changes in market interest rates subsequent to purchase. The fair value of most of the investment securities in the Company's portfolio fluctuates as market interest rates change.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company reviews investment securities on an ongoing basis for the presence of other than temporary impairment ("OTTI") with formal reviews performed quarterly. When evaluating debt securities for OTTI, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the Company has the intention to sell the debt security or whether it is more likely than not that it will be required to sell the debt security before its anticipated recovery. The assessment of whether OTTI exists involves a high degree of subjectivity and judgment and is based on the information available to management. No impairment was recorded during the years ended December 31, 2015, 2014 and 2013.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Based on management's review and evaluation of the Company's debt securities as of December 31, 2015, the debt securities with unrealized losses were not considered to be OTTI. As of December 31, 2015, the Company does not have the intent to sell any of the securities in a loss position and believes that it is not likely that it will be required to sell any such securities before the anticipated recovery of amortized cost. Accordingly, as of December 31, 2015, management has concluded that unrealized losses on its investment securities are temporary and no further impairment loss has been realized in the Company's consolidated statements of income.&lt;/font&gt;&lt;/p&gt; &lt;/div&gt;</us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock>
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  <us-gaap:LeaseAndRentalExpense contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-5">2000000</us-gaap:LeaseAndRentalExpense>
  <us-gaap:Liabilities contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">2809989000</us-gaap:Liabilities>
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  <us-gaap:LoansAndLeasesReceivableAllowance contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">27637000</us-gaap:LoansAndLeasesReceivableAllowance>
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  <us-gaap:LoansAndLeasesReceivableAllowanceForLoanLossesPolicy contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(h.) Allowance for Loan Losses&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The allowance for loan losses is established through charges to earnings in the form of a provision for loan losses. When a loan or portion of a loan is determined to be uncollectible, the portion deemed uncollectible is charged against the allowance and subsequent recoveries, if any, are credited to the allowance.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The allowance for loan losses is evaluated on a regular basis and is based upon periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower's ability to repay, estimated value of any underlying collateral, and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The allowance consists of specific and general components. Specific allowances are established for impaired loans. Impaired commercial business and commercial mortgage loans are individually evaluated and measured for impairment based on the present value of expected future cash flows discounted at the loan's effective interest rate, a loan's observable market price, or the fair value of the collateral if the loan is collateral dependent. Regardless of the measurement method, impairment is based on the fair value of the collateral when foreclosure is probable. If the recorded investment in impaired loans exceeds the measure of estimated fair value, a specific allowance is established as a component of the allowance for loan losses. Interest payments on impaired loans are typically applied to principal unless collectability of the principal amount is reasonably assured, in which case interest is recognized on a cash basis. Impaired loans, or portions thereof, are charged-off when deemed uncollectible.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered in determining impairment include payment status and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. The Company determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis by either the present value of expected future cash flows discounted at the loan's effective interest rate, the loans obtainable market price, or the fair value of the collateral if the loan is collateral dependent. Large groups of homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and residential loans for impairment disclosures unless the loan has been subject to a troubled debt restructure. At December 31, 2015, there were&amp;nbsp;&lt;font class="_mt"&gt;no&lt;/font&gt; commitments to lend additional funds to those borrowers whose loans were classified as impaired.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;General allowances are established for loan losses on a portfolio basis for loans that do not meet the definition of impaired. The portfolio is grouped into similar risk characteristics, primarily loan type. The Company applies an estimated loss rate, which considers both look-back and loss emergence periods, to each loan group. The loss rate is based on historical experience, with look-back periods that range from&amp;nbsp;&lt;font class="_mt"&gt;24&lt;/font&gt; to&amp;nbsp;&lt;font class="_mt"&gt;48&lt;/font&gt; months depending on the loan type, and as a result can differ from actual losses incurred in the future. The historical loss rate is adjusted by the loss emergence periods that range from&amp;nbsp;&lt;font class="_mt"&gt;12&lt;/font&gt; to&amp;nbsp;&lt;font class="_mt"&gt;24&lt;/font&gt; months depending on the loan type and for qualitative factors such as; levels and trends of delinquent and non-accruing loans, trends in volume and terms, effects of changes in lending policy, the experience, ability and depth of management, national and local economic trends and conditions, concentrations of credit risk, interest rates, highly leveraged borrowers, information risk and collateral risk. The qualitative factors are reviewed at least quarterly and adjustments are made as needed.&lt;/font&gt;&lt;/p&gt;

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  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="As_Of_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_ConsumerOtherFinancingReceivableMember" unitRef="Unit12" decimals="-3">21112000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="As_Of_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_HomeEquityMember" unitRef="Unit12" decimals="-3">386615000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="As_Of_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_ResidentialMortgageMember" unitRef="Unit12" decimals="-3">100101000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">2083762000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
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  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="As_Of_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_ConsumerIndirectMember" unitRef="Unit12" decimals="-3">676940000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="As_Of_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">566101000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="As_Of_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_ConsumerOtherFinancingReceivableMember" unitRef="Unit12" decimals="-3">18542000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="As_Of_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_HomeEquityMember" unitRef="Unit12" decimals="-3">410112000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="As_Of_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_ResidentialMortgageMember" unitRef="Unit12" decimals="-3">98309000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <us-gaap:LoansAndLeasesReceivableNetReportedAmount contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">1884365000</us-gaap:LoansAndLeasesReceivableNetReportedAmount>
  <us-gaap:LoansAndLeasesReceivableNetReportedAmount contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">2056677000</us-gaap:LoansAndLeasesReceivableNetReportedAmount>
  <us-gaap:LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(f.) Loans&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans are classified as held for investment when management has both the intent and ability to hold the loan for the foreseeable future, or until maturity or payoff. Loans are carried at the principal amount outstanding, net of any unearned income and unamortized deferred fees and costs on originated loans. Loan origination fees and certain direct loan origination costs are deferred, and the net amount is amortized into net interest income over the contractual life of the related loans or over the commitment period as an adjustment of yield. Interest income on loans is based on the principal balance outstanding computed using the effective interest method.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;A loan is considered delinquent when a payment has not been received in accordance with the contractual terms. The accrual of interest income for commercial loans is discontinued when there is a clear indication that the borrower's cash flow may not be sufficient to meet payments as they become due, while the accrual of interest income for retail loans is discontinued when loans reach specific delinquency levels. Loans are generally placed on nonaccrual status when contractually past due&amp;nbsp;&lt;font class="_mt"&gt;90&lt;/font&gt; days or more as to interest or principal payments, unless the loan is well secured and in the process of collection. Additionally, if management becomes aware of facts or circumstances that may adversely impact the collectability of principal or interest on loans, it is management's practice to place such loans on a nonaccrual status immediately, rather than delaying such action until the loans become 90 days past due. When a loan is placed on nonaccrual status, previously accrued and uncollected interest is reversed, amortization of related deferred loan fees or costs is suspended, and income is recorded only to the extent that interest payments are subsequently received in cash and a determination has been made that the principal balance of the loan is collectible. If collectability of the principal is in doubt, payments received are applied to loan principal. A nonaccrual loan may be returned to accrual status when all delinquent principal and interest payments become current in accordance with the terms of the loan agreement, the borrower has demonstrated a period of sustained performance (generally a minimum of&amp;nbsp;&lt;font class="_mt"&gt;six&lt;/font&gt; months) and the ultimate collectability of the total contractual principal and interest is no longer in doubt.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company's loan policy dictates the guidelines to be followed in determining when a loan is charged-off. All charge offs are approved by the Bank's senior loan officers or loan committees, depending on the amount of the charge off, and are reported in aggregate to the Bank's Board of Directors. Commercial business and commercial mortgage loans are charged-off when a determination is made that the financial condition of the borrower indicates that the loan will not be collectible in the ordinary course of business. Residential mortgage loans and home equities are generally charged-off or written down when the credit becomes severely delinquent and the balance exceeds the fair value of the property less costs to sell. Indirect and other consumer loans, both secured and unsecured, are generally charged-off in full during the month in which the loan becomes&amp;nbsp;&lt;font class="_mt"&gt;120&lt;/font&gt; days past due, unless the collateral is in the process of repossession in accordance with the Company's policy.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;A loan is accounted for as a troubled debt restructuring if the Company, for economic or legal reasons related to the borrower's financial condition, grants a significant concession to the borrower that it would not otherwise consider. A troubled debt restructuring may involve the receipt of assets from the debtor in partial or full satisfaction of the loan, or a modification of terms such as a reduction of the stated interest rate or face amount of the loan, a reduction of accrued interest, an extension of the maturity date at a stated interest rate lower than the current market rate for a new loan with similar risk, or some combination of these concessions. Troubled debt restructurings generally remain on nonaccrual status until there is a sustained period of payment performance (usually six months or longer) and there is a reasonable assurance that the payments will continue. See Allowance for Loan Losses below for further policy discussion and see Note 5 &amp;#8211; Loans for additional information.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy>
  <us-gaap:LoansAndLeasesReceivableRelatedParties contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-5">11900000</us-gaap:LoansAndLeasesReceivableRelatedParties>
  <us-gaap:LoansAndLeasesReceivableRelatedParties contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-5">3500000</us-gaap:LoansAndLeasesReceivableRelatedParties>
  <us-gaap:LoansAndLeasesReceivableRelatedPartiesAdditions contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-5">2900000</us-gaap:LoansAndLeasesReceivableRelatedPartiesAdditions>
  <us-gaap:LoansAndLeasesReceivableRelatedPartiesCollections contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-5">11300000</us-gaap:LoansAndLeasesReceivableRelatedPartiesCollections>
  <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="Unit12" decimals="-3">755000</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="Unit12" decimals="-3">755000</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="Unit12" decimals="-3">1430000</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="Unit12" decimals="-3">1430000</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(5.) LOANS&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company's loan portfolio consisted of the following at December 31 (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="39%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="32%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Principal&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Net Deferred&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Loan (Fees)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Outstanding&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Costs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Loans, Net&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial business&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;313,475&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;283&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;313,758&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;567,481&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,380&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;566,101&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Residential mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;98,302&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;98,309&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Home equity&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;402,487&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,625&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;410,112&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Consumer indirect&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;652,494&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;24,446&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;676,940&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,361&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;181&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,542&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,052,600&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;31,162&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,083,762&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Allowance for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(27,085&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total loans, net&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,056,677&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="9"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial business&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;267,377&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;32&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;267,409&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;476,407&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,315&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;475,092&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Residential mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;100,241&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(140&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;100,101&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Home equity&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;379,774&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,841&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;386,615&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Consumer indirect&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;636,357&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,316&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;661,673&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20,915&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;197&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;21,112&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,881,071&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;30,931&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,912,002&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Allowance for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(27,637&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total loans, net&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,884,365&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company's significant concentrations of credit risk in the loan portfolio relate to a geographic concentration in the communities that the Company serves.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Certain executive officers, directors and their business interests are customers of the Company. Transactions with these parties are based on the same terms as similar transactions with unrelated third parties and do not carry more than normal credit risk. Borrowings by these related parties amounted to $&lt;font class="_mt"&gt;3.5&lt;/font&gt; million and $&lt;font class="_mt"&gt;11.9&lt;/font&gt; million at December 31, 2015 and 2014, respectively. During 2015, new borrowings amounted to $&lt;font class="_mt"&gt;2.9&lt;/font&gt; million (including borrowings of executive officers and directors that were outstanding at the time of their appointment), and repayments and other reductions were $&lt;font class="_mt"&gt;11.3&lt;/font&gt; million.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Past Due Loans Aging&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company's recorded investment, by loan class, in current and nonaccrual loans, as well as an analysis of accruing delinquent loans is set forth as of December 31 (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="18%"&gt; &lt;/td&gt;
&lt;td width="6%"&gt; &lt;/td&gt;
&lt;td width="6%" align="center"&gt; &lt;/td&gt;
&lt;td width="3%" align="center"&gt; &lt;/td&gt;
&lt;td width="6%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="6%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="10%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="10%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="8%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="9%" align="center"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;30-59 Days&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;60-89 Days&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Greater Than&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Total Past&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Past Due&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Past Due&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;90 Days&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Due&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Nonaccrual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Current&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Total Loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial business&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;321&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;612&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;933&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,922&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;308,620&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;313,475&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;68&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;146&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;214&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;947&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;566,320&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;567,481&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Residential mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;203&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;203&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,325&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;96,774&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;98,302&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Home equity&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;719&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;429&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,148&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;758&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;400,581&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;402,487&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Consumer indirect&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,975&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;286&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,261&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,467&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;648,766&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;652,494&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;98&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;119&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,229&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,361&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total loans, gross&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,384&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,486&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,878&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,432&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,039,290&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,052,600&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="15"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial business&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;28&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;28&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,288&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;263,061&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;267,377&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;83&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;83&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,020&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;473,304&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;476,407&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Residential mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;321&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;321&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,194&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;98,726&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;100,241&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Home equity&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;799&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;67&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;866&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;463&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;378,445&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;379,774&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Consumer indirect&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,429&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;402&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,831&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,169&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;632,357&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;636,357&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;148&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;204&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20,700&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20,915&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total loans, gross&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,808&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;517&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,333&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,145&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,866,593&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,881,071&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;There were&amp;nbsp;&lt;font class="_mt"&gt;no&lt;/font&gt; loans past due greater than 90 days and still accruing interest as of December 31, 2015 and 2014. There were $&lt;font class="_mt"&gt;8&lt;/font&gt; thousand in consumer overdrafts which were past due greater than 90 days as of December 31, 2015 and 2014. Consumer overdrafts are overdrawn deposit accounts which have been reclassified as loans but by their terms do not accrue interest.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Interest income on nonaccrual loans, if recognized, is recorded using the cash basis method of accounting. There was no interest income recognized on nonaccrual loans during the years ended December 31, 2015, 2014 and 2013. For the years ended December 31, 2015, 2014 and 2013, estimated interest income of $&lt;font class="_mt"&gt;432&lt;/font&gt; thousand, $&lt;font class="_mt"&gt;527&lt;/font&gt; thousand, and $&lt;font class="_mt"&gt;531&lt;/font&gt; thousand, respectively, would have been recorded if all such loans had been accruing interest according to their original contractual terms.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Troubled Debt Restructurings&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;A modification of a loan constitutes a troubled debt restructuring ("TDR") when a borrower is experiencing financial difficulty and the modification constitutes a concession. Commercial loans modified in a TDR may involve temporary interest-only payments, term extensions, reducing the interest rate for the remaining term of the loan, extending the maturity date at an interest rate lower than the current market rate for new debt with similar risk, collateral concessions, forgiveness of principal, forebearance agreements, or substituting or adding a new borrower or guarantor.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The following presents, by loan class, information related to loans modified in a TDR during the years ended December 31 (in thousands).&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="33%"&gt; &lt;/td&gt;
&lt;td width="23%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="4%"&gt; &lt;/td&gt;
&lt;td width="14%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="4%"&gt; &lt;/td&gt;
&lt;td width="14%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Pre&lt;/font&gt;&lt;/b&gt;-&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Post&lt;/font&gt;&lt;/b&gt;-&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="4" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Modification Modification&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Outstanding&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td colspan="3" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Outstanding&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Number of&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Contracts&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial business&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,342&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,342&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;682&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;330&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,024&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,672&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="8"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial business&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,381&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,381&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,381&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,381&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The loans identified as TDRs by the Company during the years ended December 31, 2015 and 2014 were on nonaccrual status and reported as impaired loans prior to restructuring. The modifications during the year ended December 31, 2015 primarily related to extending amortization periods, forebearance agreements, requesting additional collateral and, in one instance, forgiveness of principal. For the year ended December 31, 2014, the restructured loan modification related to extending the amortization period of the loan. All loans restructured during the years ended December 31, 2015 and 2014 were on nonaccrual status at the end of those respective years. Nonaccrual loans that are restructured remain on nonaccrual status, but may move to accrual status after they have performed according to the restructured terms for a period of time. The TDR classification did not have a material impact on the Company's determination of the allowance for loan losses because the modified loans were either classified as substandard, with an increased risk allowance allocation, or impaired and evaluated for a specific reserve both before and after restructuring.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;There were&amp;nbsp;&lt;font class="_mt"&gt;two&lt;/font&gt; commercial business loans with an aggregate pre-default balance of $&lt;font class="_mt"&gt;1.3&lt;/font&gt; million that went into default and were restructured during the year ended December 31, 2015. There were&amp;nbsp;&lt;font class="_mt"&gt;no&lt;/font&gt; loans modified as a TDR during the year ended December 31, 2014 that defaulted during the year ended December 31, 2014. For purposes of this disclosure, a loan modified as a TDR is considered to have defaulted when the borrower becomes 90 days past due.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Impaired Loans&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Management has determined that specific commercial loans on nonaccrual status and all loans that have had their terms restructured in a troubled debt restructuring are impaired loans. The following table presents data on impaired loans at December 31 (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="32%"&gt; &lt;/td&gt;
&lt;td width="11%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Unpaid&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Interest&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Principal&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Related&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 1px;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Income&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Investment&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Balance&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Allowance&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Recognized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;With no related allowance recorded:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial business&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,441&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,810&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,352&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;937&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,285&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,013&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,378&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,095&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,365&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;With an allowance recorded:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial business&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,481&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,481&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;996&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,946&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;449&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,491&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,491&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,006&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,395&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,869&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,586&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,006&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,760&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="11"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;With no related allowance recorded:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial business&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 1px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,408&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,741&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,431&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;781&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;920&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,014&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,189&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,661&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,445&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;With an allowance recorded:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial business&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,880&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,880&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,556&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,998&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,239&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,239&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;911&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,560&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,119&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,119&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,467&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,558&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="11"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 1px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,308&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,780&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,467&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,003&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="1"&gt;(1) &lt;/font&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Difference between recorded investment and unpaid principal balance represents partial charge-offs.&lt;/font&gt;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Credit Quality Indicators&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors such as the fair value of collateral. The Company analyzes commercial business and commercial mortgage loans individually by classifying the loans as to credit risk. Risk ratings are updated any time the situation warrants. The Company uses the following definitions for risk ratings: &lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Special Mention: &lt;/font&gt;&lt;/b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans classified as special mention have a potential weakness that deserves management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the Company's credit position at some future date.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Substandard: &lt;/font&gt;&lt;/b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Doubtful: &lt;/font&gt;&lt;/b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans classified as doubtful have all the weaknesses inherent in those classified as Substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans not meeting the criteria above that are analyzed individually as part of the process described above are considered "Uncriticized" or pass-rated loans and are included in groups of homogeneous loans with similar risk and loss characteristics.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The following table sets forth the Company's commercial loan portfolio, categorized by internally assigned asset classification, as of December 31 (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="42%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="41%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Commercial Commercial&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Business&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Uncriticized&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;298,413&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;551,603&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Special mention&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,916&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,015&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Substandard&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,146&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,863&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Doubtful&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;313,475&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;567,481&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="5"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Uncriticized&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;250,961&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;460,880&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Special mention&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,530&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,411&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Substandard&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,886&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,116&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Doubtful&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;267,377&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;476,407&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company utilizes payment status as a means of identifying and reporting problem and potential problem retail loans. The Company considers nonaccrual loans and loans past due greater than 90 days and still accruing interest to be non-performing. The following table sets forth the Company's retail loan portfolio, categorized by payment status, as of December 31 (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="31%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="29%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Residential&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Home&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Equity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Indirect&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Performing&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;96,977&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;401,729&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;651,027&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,340&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Non-performing&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,325&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;758&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,467&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;21&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;98,302&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;402,487&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;652,494&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,361&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="9"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Performing&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;99,047&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;379,311&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;635,188&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20,896&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Non-performing&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,194&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;463&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,169&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;100,241&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;379,774&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;636,357&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20,915&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Allowance for Loan Losses&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The following tables set forth the changes in the allowance for loan losses for the years ended December 31 (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="15%" align="center"&gt; &lt;/td&gt;
&lt;td width="1%" align="center"&gt; &lt;/td&gt;
&lt;td width="6%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="8%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="8%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="8%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="7%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="8%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="7%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="7" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Commercial Commercial Residential&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Home&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Business&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Equity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Indirect&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Allowance for loan losses:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Beginning balance&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,621&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,122&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;570&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,485&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11,383&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;456&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;27,637&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Charge-offs&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,433&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(895&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(175&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(421&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(9,156&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(878&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(12,958&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Recoveries&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;212&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;146&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;82&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;63&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,200&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;322&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,025&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Provision (credit)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,140&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,654&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(13&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;101&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,031&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;468&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,381&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Ending balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,540&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,027&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;464&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,228&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,458&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;368&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;27,085&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Evaluated for impairment:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Individually&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;996&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,006&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collectively&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,544&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,017&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;464&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,228&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,458&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;368&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;26,079&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="22"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Loans:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Ending balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;313,475&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;567,481&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;98,302&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;402,487&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;652,494&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,361&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,052,600&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Evaluated for impairment:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Individually&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,922&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;947&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,869&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collectively&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;309,553&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;566,534&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;98,302&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;402,487&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;652,494&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,361&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,047,731&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="22"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Allowance for loan losses:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Beginning balance&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,273&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,743&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;676&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,367&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,230&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;447&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;26,736&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Charge-offs&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(204&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(304&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(190&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(340&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(10,004&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(972&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(12,014&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Recoveries&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;201&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;143&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;39&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;56&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,321&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;366&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,126&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Provision&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,351&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;540&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;45&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;402&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,836&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;615&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,789&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Ending balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,621&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,122&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;570&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,485&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11,383&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;456&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;27,637&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Evaluated for impairment:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Individually&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,556&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;911&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,467&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collectively&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,065&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,211&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;570&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,485&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11,383&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;456&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,170&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="22"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Loans:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Ending balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;267,377&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;476,407&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;100,241&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;379,774&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;636,357&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20,915&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,881,071&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Evaluated for impairment:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Individually&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,288&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,020&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,308&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collectively&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;263,089&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;473,387&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;100,241&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;379,774&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;636,357&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20,915&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,873,763&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="6%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="6%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="7" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Commercial Commercial Residential&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Home&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Business&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Equity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Indirect&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Allowance for loan losses:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Beginning balance&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,884&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,581&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;740&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,282&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,715&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;512&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;24,714&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Charge-offs&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,070&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(553&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(411&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(391&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(8,125&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(928&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(11,478&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Recoveries&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;349&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;319&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;54&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;157&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,161&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;381&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,421&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Provision&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;110&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,396&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;293&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;319&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,479&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;482&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,079&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Ending balance&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,273&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,743&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;676&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,367&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,230&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;447&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;26,736&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Evaluated for impairment:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Individually&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;201&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,057&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,258&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collectively&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,072&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,686&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;676&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,367&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,230&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;447&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,478&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="24"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Loans:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Ending balance&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;265,751&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;470,312&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;113,101&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" colspan="2" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;320,658&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;609,390&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;22,893&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,802,105&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Evaluated for impairment:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Individually&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,474&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,663&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,137&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collectively&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;262,277&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;460,649&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;113,101&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" colspan="2" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;320,658&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;609,390&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;22,893&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,788,968&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Risk Characteristics&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial business loans primarily consist of loans to small to mid-sized businesses in our market area in a diverse range of industries. These loans are of higher risk and typically are made on the basis of the borrower's ability to make repayment from the cash flow of the borrower's business. Further, the collateral securing the loans may depreciate over time, may be difficult to appraise and may fluctuate in value. The credit risk related to commercial loans is largely influenced by general economic conditions and the resulting impact on a borrower's operations or on the value of underlying collateral, if any.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial mortgage loans generally have larger balances and involve a greater degree of risk than residential mortgage loans, inferring higher potential losses on an individual customer basis. Loan repayment is often dependent on the successful operation and management of the properties, as well as on the collateral securing the loan. Economic events or conditions in the real estate market could have an adverse impact on the cash flows generated by properties securing the Company's commercial real estate loans and on the value of such properties.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Residential mortgage loans and home equities (comprised of home equity loans and home equity lines) are generally made on the basis of the borrower's ability to make repayment from his or her employment and other income, but are secured by real property whose value tends to be more easily ascertainable. Credit risk for these types of loans is generally influenced by general economic conditions, the characteristics of individual borrowers, and the nature of the loan collateral.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Consumer indirect and other consumer loans may entail greater credit risk than residential mortgage loans and home equities, particularly in the case of other consumer loans which are unsecured or, in the case of indirect consumer loans, secured by depreciable assets, such as automobiles or boats. In such cases, any repossessed collateral for a defaulted consumer loan may not provide an adequate source of repayment of the outstanding loan balance. In addition, consumer loan collections are dependent on the borrower's continuing financial stability, and thus are more likely to be affected by adverse personal circumstances such as job loss, illness or personal bankruptcy. Furthermore, the application of various federal and state laws, including bankruptcy and insolvency laws, may limit the amount which can be recovered on such loans.&lt;/font&gt;&lt;/p&gt; &lt;/div&gt;</us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock>
  <us-gaap:LoansReceivableFairValueDisclosure contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="Unit12" decimals="-3">1881713000</us-gaap:LoansReceivableFairValueDisclosure>
  <us-gaap:LoansReceivableFairValueDisclosure contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="Unit12" decimals="-3">1887959000</us-gaap:LoansReceivableFairValueDisclosure>
  <us-gaap:LoansReceivableFairValueDisclosure id="Item-0024" contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="Unit12" decimals="-3">2652000</us-gaap:LoansReceivableFairValueDisclosure>
  <us-gaap:LoansReceivableFairValueDisclosure id="Item-0025" contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="Unit12" decimals="-3">2652000</us-gaap:LoansReceivableFairValueDisclosure>
  <us-gaap:LoansReceivableFairValueDisclosure contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="Unit12" decimals="-3">2055192000</us-gaap:LoansReceivableFairValueDisclosure>
  <us-gaap:LoansReceivableFairValueDisclosure contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="Unit12" decimals="-3">2046235000</us-gaap:LoansReceivableFairValueDisclosure>
  <us-gaap:LoansReceivableFairValueDisclosure id="Item-0022" contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="Unit12" decimals="-3">1485000</us-gaap:LoansReceivableFairValueDisclosure>
  <us-gaap:LoansReceivableFairValueDisclosure id="Item-0023" contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="Unit12" decimals="-3">1485000</us-gaap:LoansReceivableFairValueDisclosure>
  <us-gaap:LoansReceivableHeldForSaleNet contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">755000</us-gaap:LoansReceivableHeldForSaleNet>
  <us-gaap:LoansReceivableHeldForSaleNet contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">1430000</us-gaap:LoansReceivableHeldForSaleNet>
  <us-gaap:LongTermDebt contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">38990000</us-gaap:LongTermDebt>
  <us-gaap:LongTermDebt contextRef="As_Of_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">38990000</us-gaap:LongTermDebt>
  <us-gaap:LongTermDebtFairValue contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="Unit12" decimals="-3">38990000</us-gaap:LongTermDebtFairValue>
  <us-gaap:LongTermDebtFairValue contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="Unit12" decimals="-3">40313000</us-gaap:LongTermDebtFairValue>
  <us-gaap:ManagementFeesRevenue contextRef="Duration_1_1_2013_To_12_31_2013_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">368000</us-gaap:ManagementFeesRevenue>
  <us-gaap:ManagementFeesRevenue contextRef="Duration_1_1_2014_To_12_31_2014_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">417000</us-gaap:ManagementFeesRevenue>
  <us-gaap:ManagementFeesRevenue contextRef="Duration_1_1_2015_To_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">599000</us-gaap:ManagementFeesRevenue>
  <us-gaap:MarketableSecuritiesEquitySecurities contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">36432000</us-gaap:MarketableSecuritiesEquitySecurities>
  <us-gaap:MarketableSecuritiesEquitySecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_fisi_DepositoryReceiptsMember" unitRef="Unit12" decimals="-3">185000</us-gaap:MarketableSecuritiesEquitySecurities>
  <us-gaap:MarketableSecuritiesEquitySecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_CommonStockMember" unitRef="Unit12" decimals="-3">14732000</us-gaap:MarketableSecuritiesEquitySecurities>
  <us-gaap:MarketableSecuritiesEquitySecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_ExchangeTradedFundsMember" unitRef="Unit12" decimals="-3">10573000</us-gaap:MarketableSecuritiesEquitySecurities>
  <us-gaap:MarketableSecuritiesEquitySecurities contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member" unitRef="Unit12" decimals="-3">25630000</us-gaap:MarketableSecuritiesEquitySecurities>
  <us-gaap:MarketableSecuritiesEquitySecurities contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="-3">10802000</us-gaap:MarketableSecuritiesEquitySecurities>
  <us-gaap:MarketableSecuritiesEquitySecurities xsi:nil="true" contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <us-gaap:MarketableSecuritiesEquitySecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_MultiemployerPlansPensionMember" unitRef="Unit12" decimals="-3">10802000</us-gaap:MarketableSecuritiesEquitySecurities>
  <us-gaap:MarketableSecuritiesEquitySecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_PreferredStockMember" unitRef="Unit12" decimals="-3">140000</us-gaap:MarketableSecuritiesEquitySecurities>
  <us-gaap:MarketableSecuritiesEquitySecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_fisi_DepositoryReceiptsMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member" unitRef="Unit12" decimals="-3">185000</us-gaap:MarketableSecuritiesEquitySecurities>
  <us-gaap:MarketableSecuritiesEquitySecurities xsi:nil="true" contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_fisi_DepositoryReceiptsMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <us-gaap:MarketableSecuritiesEquitySecurities contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_CommonStockMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member" unitRef="Unit12" decimals="-3">14732000</us-gaap:MarketableSecuritiesEquitySecurities>
  <us-gaap:MarketableSecuritiesEquitySecurities xsi:nil="true" contextRef="As_Of_12_31_2014_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_CommonStockMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
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  <us-gaap:MarketableSecuritiesEquitySecurities contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_ExchangeTradedFundsMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member" unitRef="Unit12" decimals="-3">10190000</us-gaap:MarketableSecuritiesEquitySecurities>
  <us-gaap:MarketableSecuritiesEquitySecurities xsi:nil="true" contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_ExchangeTradedFundsMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
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  <us-gaap:MarketableSecuritiesEquitySecurities xsi:nil="true" contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_MultiemployerPlansPensionMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" />
  <us-gaap:MarketableSecuritiesTradingSecuritiesPolicy contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(d.) Investment Securities&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Investment securities are classified as either available for sale or held to maturity. Debt securities that management has the positive intent and ability to hold to maturity are classified as held to maturity and are recorded at amortized cost. Other investment securities are classified as available for sale and recorded at fair value, with unrealized gains and losses excluded from earnings and reported as a component of comprehensive income and shareholders' equity.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Securities are evaluated periodically to determine whether a decline in their fair value is other than temporary. Management utilizes criteria such as, the current intent to hold or sell the security, the magnitude and duration of the decline and, when appropriate, consideration of negative changes in expected cash flows, creditworthiness, near term prospects of issuers, the level of credit subordination, estimated loss severity, and delinquencies, to determine whether a loss in value is other than temporary. The term "other than temporary" is not intended to indicate that the decline is permanent, but indicates that the prospect for a near-term recovery of value is not necessarily favorable. Declines in the fair value of investment securities below their cost that are deemed to be other than temporary are reflected in earnings as realized losses to the extent the impairment is related to credit issues or concerns, or the security is intended to be sold. The amount of impairment related to non-credit related factors is recognized in other comprehensive income. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:MarketableSecuritiesTradingSecuritiesPolicy>
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  <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">27893000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
  <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">26875000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
  <us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(v.) Recent Accounting Pronouncements&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;In May 2014, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") No. 2014-09, &lt;/font&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" size="2"&gt;Revenue from Contracts with Customers (Topic 606). &lt;/font&gt;&lt;/i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;ASU 2014-09 implements a common revenue standard that clarifies the principles for recognizing revenue. The core principle of ASU 2014-09 is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. To achieve that core principle, an entity should apply the following steps: (i) identify the contract(s) with a customer, (ii) identify the performance obligations in the contract, (iii) determine the transaction price, (iv) allocate the transaction price to the performance obligations in the contract and (v) recognize revenue when (or as) the entity satisfies a performance obligation. The effective date was recently deferred for one year to the interim and annual periods beginning on or after December 15, 2017. Early adoption is permitted as of the original effective date &amp;#8211; interim and annual periods beginning on or after December 15, 2016. The Company is evaluating the potential impact of ASU 2014-09 on the Company's financial statements.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;In June 2014, the FASB issued ASU 2014-12, &lt;/font&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" size="2"&gt;Compensation&amp;#8212;Stock Compensation (Topic 718)&lt;/font&gt;&lt;/i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;. The pronouncement was issued to clarify the accounting for share-based payments when the terms of an award provide that a performance target could be achieved after the requisite service period. ASU 2014-12 is effective for the Company beginning January 1, 2016, though early adoption is permitted. The adoption of ASU 2014-12 is not expected to have a significant impact on the Company's financial statements.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;In January 2015, the FASB issued ASU 2015-01, &lt;/font&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" size="2"&gt;Income Statement - Extraordinary and Unusual Items (Subtopic 225-20) &amp;#8211;Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items&lt;/font&gt;&lt;/i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;. ASU 2015-01 eliminates from U.S. GAAP the concept of extraordinary items, which, among other things, required an entity to segregate extraordinary items considered to be unusual and infrequent from the results of ordinary operations and show the item separately in the income statement, net of tax, after income from continuing operations. ASU 2015-01 is effective for the Company beginning January 1, 2016, though early adoption is permitted. ASU 2015-01 is not expected to have a significant impact on the Company's financial statements.&lt;/font&gt;&lt;/p&gt;

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  <us-gaap:OffBalanceSheetCreditExposurePolicyPolicyTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(g.) Off-Balance Sheet Financial Instruments&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;In the ordinary course of business, the Company enters into off-balance sheet financial instruments consisting of commitments to extend credit, standby letters of credit and financial guarantees. Such financial instruments are recorded in the consolidated financial statements when they are funded or when related fees are incurred or received. The Company periodically evaluates the credit risks inherent in these commitments and establishes loss allowances for such risks if and when these are deemed necessary.&lt;/font&gt;&lt;/p&gt;

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  <us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">-1529000</us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax>
  <us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">-20613000</us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax>
  <us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">8459000</us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax>
  <us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">-938000</us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax>
  <us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">-13522000</us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax>
  <us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">5549000</us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax>
  <us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">-591000</us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax>
  <us-gaap:OtherIncome contextRef="Duration_1_1_2013_To_12_31_2013_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">71000</us-gaap:OtherIncome>
  <us-gaap:OtherIncome contextRef="Duration_1_1_2014_To_12_31_2014_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">74000</us-gaap:OtherIncome>
  <us-gaap:OtherIncome contextRef="Duration_1_1_2015_To_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">1175000</us-gaap:OtherIncome>
  <us-gaap:OtherInvestments contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_MultiemployerPlansPensionMember" unitRef="Unit12" decimals="-3">2670000</us-gaap:OtherInvestments>
  <us-gaap:OtherInvestments contextRef="As_Of_12_31_2015_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_us-gaap_MultiemployerPlansPensionMember_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" decimals="-3">2670000</us-gaap:OtherInvestments>
  <us-gaap:OtherLiabilities contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">24658000</us-gaap:OtherLiabilities>
  <us-gaap:OtherLiabilities contextRef="As_Of_12_31_2014_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">6697000</us-gaap:OtherLiabilities>
  <us-gaap:OtherLiabilities contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">24559000</us-gaap:OtherLiabilities>
  <us-gaap:OtherLiabilities contextRef="As_Of_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">6332000</us-gaap:OtherLiabilities>
  <us-gaap:OtherNoninterestExpense contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">7861000</us-gaap:OtherNoninterestExpense>
  <us-gaap:OtherNoninterestExpense contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">8705000</us-gaap:OtherNoninterestExpense>
  <us-gaap:OtherNoninterestExpense contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">9665000</us-gaap:OtherNoninterestExpense>
  <us-gaap:OtherRealEstate contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">194000</us-gaap:OtherRealEstate>
  <us-gaap:OtherRealEstate contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">163000</us-gaap:OtherRealEstate>
  <us-gaap:PastDueFinancingReceivablesTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="18%"&gt; &lt;/td&gt;
&lt;td width="6%"&gt; &lt;/td&gt;
&lt;td width="6%" align="center"&gt; &lt;/td&gt;
&lt;td width="3%" align="center"&gt; &lt;/td&gt;
&lt;td width="6%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="6%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="10%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="10%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="8%" align="center"&gt; &lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="9%" align="center"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;30-59 Days&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;60-89 Days&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Greater Than&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Total Past&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Past Due&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Past Due&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;90 Days&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Due&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Nonaccrual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Current&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Total Loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial business&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;321&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;612&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;933&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,922&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;308,620&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;313,475&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;68&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;146&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;214&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;947&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;566,320&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;567,481&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Residential mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;203&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;203&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,325&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;96,774&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;98,302&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Home equity&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;719&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;429&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,148&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;758&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;400,581&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;402,487&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Consumer indirect&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,975&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;286&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,261&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,467&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;648,766&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;652,494&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;98&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;119&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,229&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,361&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total loans, gross&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,384&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,486&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,878&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,432&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,039,290&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,052,600&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="15"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial business&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;28&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;28&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,288&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;263,061&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;267,377&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;83&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;83&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,020&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;473,304&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;476,407&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Residential mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;321&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;321&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,194&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;98,726&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;100,241&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Home equity&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;799&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;67&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;866&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;463&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;378,445&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;379,774&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Consumer indirect&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,429&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;402&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,831&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,169&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;632,357&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;636,357&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;148&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;204&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20,700&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20,915&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total loans, gross&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,808&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;517&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,333&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,145&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,866,593&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,881,071&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:PastDueFinancingReceivablesTableTextBlock>
  <us-gaap:PaymentsForOriginationAndPurchasesOfLoansHeldForSale contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">31657000</us-gaap:PaymentsForOriginationAndPurchasesOfLoansHeldForSale>
  <us-gaap:PaymentsForOriginationAndPurchasesOfLoansHeldForSale contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">14457000</us-gaap:PaymentsForOriginationAndPurchasesOfLoansHeldForSale>
  <us-gaap:PaymentsForOriginationAndPurchasesOfLoansHeldForSale contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">16621000</us-gaap:PaymentsForOriginationAndPurchasesOfLoansHeldForSale>
  <us-gaap:PaymentsForProceedsFromLoansAndLeases contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">131949000</us-gaap:PaymentsForProceedsFromLoansAndLeases>
  <us-gaap:PaymentsForProceedsFromLoansAndLeases contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">84812000</us-gaap:PaymentsForProceedsFromLoansAndLeases>
  <us-gaap:PaymentsForProceedsFromLoansAndLeases contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">180067000</us-gaap:PaymentsForProceedsFromLoansAndLeases>
  <us-gaap:PaymentsForProceedsFromOtherInvestingActivities contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">-555000</us-gaap:PaymentsForProceedsFromOtherInvestingActivities>
  <us-gaap:PaymentsForProceedsFromOtherInvestingActivities contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">-1576000</us-gaap:PaymentsForProceedsFromOtherInvestingActivities>
  <us-gaap:PaymentsForProceedsFromOtherInvestingActivities contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">-365000</us-gaap:PaymentsForProceedsFromOtherInvestingActivities>
  <us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">229000</us-gaap:PaymentsForRepurchaseOfCommonStock>
  <us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">194000</us-gaap:PaymentsForRepurchaseOfCommonStock>
  <us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">202000</us-gaap:PaymentsForRepurchaseOfCommonStock>
  <us-gaap:PaymentsForRepurchaseOfEquity contextRef="Duration_1_1_2013_To_12_31_2013_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">360000</us-gaap:PaymentsForRepurchaseOfEquity>
  <us-gaap:PaymentsForRepurchaseOfEquity contextRef="Duration_1_1_2014_To_12_31_2014_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">196000</us-gaap:PaymentsForRepurchaseOfEquity>
  <us-gaap:PaymentsForRepurchaseOfEquity contextRef="Duration_1_1_2015_To_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">202000</us-gaap:PaymentsForRepurchaseOfEquity>
  <us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">131000</us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock>
  <us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">2000</us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock>
  <us-gaap:PaymentsOfDebtIssuanceCosts contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">1060000</us-gaap:PaymentsOfDebtIssuanceCosts>
  <us-gaap:PaymentsOfDividends contextRef="Duration_1_1_2013_To_12_31_2013_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">11218000</us-gaap:PaymentsOfDividends>
  <us-gaap:PaymentsOfDividends contextRef="Duration_1_1_2014_To_12_31_2014_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">11984000</us-gaap:PaymentsOfDividends>
  <us-gaap:PaymentsOfDividends contextRef="Duration_1_1_2015_To_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">12721000</us-gaap:PaymentsOfDividends>
  <us-gaap:PaymentsOfDividendsCommonStock contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">9750000</us-gaap:PaymentsOfDividendsCommonStock>
  <us-gaap:PaymentsOfDividendsCommonStock contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">10521000</us-gaap:PaymentsOfDividendsCommonStock>
  <us-gaap:PaymentsOfDividendsCommonStock contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">11259000</us-gaap:PaymentsOfDividendsCommonStock>
  <us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">1468000</us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock>
  <us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">1463000</us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock>
  <us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">1462000</us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock>
  <us-gaap:PaymentsToAcquireAdditionalInterestInSubsidiaries contextRef="Duration_1_1_2015_To_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">34000000</us-gaap:PaymentsToAcquireAdditionalInterestInSubsidiaries>
  <us-gaap:PaymentsToAcquireAvailableForSaleSecurities contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">246874000</us-gaap:PaymentsToAcquireAvailableForSaleSecurities>
  <us-gaap:PaymentsToAcquireAvailableForSaleSecurities contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">236043000</us-gaap:PaymentsToAcquireAvailableForSaleSecurities>
  <us-gaap:PaymentsToAcquireAvailableForSaleSecurities contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">271899000</us-gaap:PaymentsToAcquireAvailableForSaleSecurities>
  <us-gaap:PaymentsToAcquireBusinessesGross contextRef="Duration_8_1_2014_To_8_1_2014_us-gaap_BusinessAcquisitionAxis_fisi_ScottDanahyNaylonCo.Inc.Member" unitRef="Unit12" decimals="-3">8100000</us-gaap:PaymentsToAcquireBusinessesGross>
  <us-gaap:PaymentsToAcquireBusinessesNetOfCashAcquired contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">7995000</us-gaap:PaymentsToAcquireBusinessesNetOfCashAcquired>
  <us-gaap:PaymentsToAcquireBusinessesNetOfCashAcquired contextRef="Duration_1_1_2014_To_12_31_2014_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">-7995000</us-gaap:PaymentsToAcquireBusinessesNetOfCashAcquired>
  <us-gaap:PaymentsToAcquireHeldToMaturitySecurities contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">19598000</us-gaap:PaymentsToAcquireHeldToMaturitySecurities>
  <us-gaap:PaymentsToAcquireHeldToMaturitySecurities contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">63770000</us-gaap:PaymentsToAcquireHeldToMaturitySecurities>
  <us-gaap:PaymentsToAcquireHeldToMaturitySecurities contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">64397000</us-gaap:PaymentsToAcquireHeldToMaturitySecurities>
  <us-gaap:PaymentsToAcquireLifeInsurancePolicies contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">79000</us-gaap:PaymentsToAcquireLifeInsurancePolicies>
  <us-gaap:PaymentsToAcquireLifeInsurancePolicies contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">10080000</us-gaap:PaymentsToAcquireLifeInsurancePolicies>
  <us-gaap:PaymentsToAcquireLifeInsurancePolicies contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">79000</us-gaap:PaymentsToAcquireLifeInsurancePolicies>
  <us-gaap:PaymentsToAcquirePropertyPlantAndEquipment contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">3411000</us-gaap:PaymentsToAcquirePropertyPlantAndEquipment>
  <us-gaap:PaymentsToAcquirePropertyPlantAndEquipment contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">5330000</us-gaap:PaymentsToAcquirePropertyPlantAndEquipment>
  <us-gaap:PaymentsToAcquirePropertyPlantAndEquipment contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">7493000</us-gaap:PaymentsToAcquirePropertyPlantAndEquipment>
  <us-gaap:PensionAndOtherPostretirementAndPostemploymentBenefitPlansLiabilitiesCurrentAndNoncurrent contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">124000</us-gaap:PensionAndOtherPostretirementAndPostemploymentBenefitPlansLiabilitiesCurrentAndNoncurrent>
  <us-gaap:PensionAndOtherPostretirementAndPostemploymentBenefitPlansLiabilitiesCurrentAndNoncurrent contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">107000</us-gaap:PensionAndOtherPostretirementAndPostemploymentBenefitPlansLiabilitiesCurrentAndNoncurrent>
  <us-gaap:PensionAndOtherPostretirementBenefitContributions contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">8000000</us-gaap:PensionAndOtherPostretirementBenefitContributions>
  <us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(17.) EMPLOYEE BENEFIT PLANS&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Defined Contribution Plan&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Employees that meet specified eligibility conditions are eligible to participate in the Company sponsored 401(k) plan. Under the plan, participants may make contributions, in the form of salary deferrals, up to the maximum Internal Revenue Code limit.&amp;nbsp;Until December 31, 2015, the&amp;nbsp;Company matched a participant's contributions up to &lt;font class="_mt"&gt;4.5&lt;/font&gt;% of compensation, calculated at &lt;font class="_mt"&gt;100&lt;/font&gt;% of the first &lt;font class="_mt"&gt;3&lt;/font&gt;% of compensation and &lt;font class="_mt"&gt;50&lt;/font&gt;% of the next &lt;font class="_mt"&gt;3&lt;/font&gt;% of compensation deferred by the participant. The Company&amp;nbsp;was also permitted to&amp;nbsp;make additional discretionary matching contributions, although no such additional discretionary contributions were made in 2015, 2014 or 2013. The expense included in salaries and employee benefits in the consolidated statements of income for this plan amounted to $&lt;font class="_mt"&gt;1.3&lt;/font&gt; million in 2015 and $&lt;font class="_mt"&gt;1.1&lt;/font&gt; million in 2014 and 2013. Effective January 1, 2016, the 401(k) Plan was amended to discontinue the Company's matching contribution.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Defined Benefit Pension Plan&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company participates in The New York State Bankers Retirement System (the "Plan"), a defined benefit pension plan covering substantially all employees, subject to the limitations related to the plan closure effective December 31, 2006. Prior to January 1, 2016, the benefits&amp;nbsp;were generally&amp;nbsp;based on years of service and the employee's highest average compensation during&amp;nbsp;&lt;font class="_mt"&gt;five&lt;/font&gt; consecutive years of employment. The defined benefit plan was closed to new participants effective December 31, 2006. Only employees hired on or before December 31, 2006 and who met participation requirements on or before January 1, 2008 were eligible to receive benefits.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Effective January 1, 2016, the Plan was amended to &lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#080709" size="2"&gt;open the Plan up to eligible employees who were hired on and after January 1, 2007, discontinue the Plan's prior formula and provide all eligible participants with a cash balance benef&lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#222122" size="2"&gt;i&lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#080709" size="2"&gt;t formula&lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#5c5a5b" size="2"&gt;.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The following table provides a reconciliation of the Company's changes in the Plan's benefit obligations, fair value of assets and a statement of the funded status as of and for the year ended December 31 (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="52%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="29%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Change in projected benefit obligation:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Projected benefit obligation at beginning of period&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;61,732&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48,991&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Service cost&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,324&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,918&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Interest cost&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,328&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,291&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Actuarial (gain) loss&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(4,406&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,938&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Benefits paid and plan expenses&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,746&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,406&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 8px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Projected benefit obligation at end of period&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;59,232&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;61,732&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Change in plan assets:&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fair value of plan assets at beginning of period&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;75,584&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;64,603&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Actual return on plan assets&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(480&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,387&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Employer contributions&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,000&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Benefits paid and plan expenses&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,746&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,406&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 8px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fair value of plan assets at end of period&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;72,358&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;75,584&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Funded status at end of period&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,126&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,852&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The accumulated benefit obligation was $&lt;font class="_mt"&gt;53.5&lt;/font&gt; million and $&lt;font class="_mt"&gt;54.9&lt;/font&gt; million at December 31, 2015 and 2014, respectively.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company's funding policy is to contribute, at a minimum, an actuarially determined amount that will satisfy the minimum funding requirements determined under the appropriate sections of Internal Revenue Code. The Company had no minimum required contribution for the 2016 fiscal year.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Estimated benefit payments under the Plan over the next ten years at December 31, 2015 are as follows (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="48%"&gt; &lt;/td&gt;
&lt;td width="35%"&gt; &lt;/td&gt;
&lt;td width="16%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2016&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,127&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2017&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,288&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2018&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,346&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2019&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,472&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2020&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,666&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2021 - 2025&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;15,627&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net periodic pension cost consists of the following components for the years ended December 31 (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="43%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="23%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Service cost&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,324&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,918&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,063&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Interest cost on projected benefit obligation&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,328&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,291&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,017&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Expected return on plan assets&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(4,820&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(4,117&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3,684&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization of unrecognized loss&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;926&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;159&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,344&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization of unrecognized prior service cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net periodic pension cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;778&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;271&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,760&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The actuarial assumptions used to determine the net periodic pension cost were as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="42%"&gt; &lt;/td&gt;
&lt;td width="28%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Weighted average discount rate&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.86&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.80&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.84&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Rate of compensation increase&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Expected long-term rate of return&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6.50&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6.50&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6.50&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The actuarial assumptions used to determine the projected benefit obligation were as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="41%"&gt; &lt;/td&gt;
&lt;td width="28%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Weighted average discount rate&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.21&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.86&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.80&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Rate of compensation increase&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The weighted average discount rate was based upon the projected benefit cash flows and the market yields of high grade corporate bonds that are available to pay such cash flows.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The weighted average expected long&lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;term rate of return is estimated based on current trends in the Plan's assets as well as projected future rates of return on those assets and reasonable actuarial assumptions based on the guidance provided by Actuarial Standard of Practice No. 27, "Selection of Economic Assumptions for Measuring Pension Obligations" for long term inflation, and the real and nominal rate of investment return for a specific mix of asset classes. The following assumptions were used in determining the long&lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;term rate of return:&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="24%"&gt; &lt;/td&gt;
&lt;td width="75%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="top"&gt;&lt;td bgcolor="#c6d9f1" width="24%"&gt;

&lt;p&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Equity securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="75%"&gt;

&lt;p&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Dividend discount model, the smoothed earnings yield model and the equity risk premium model&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="top"&gt;&lt;td width="24%"&gt;

&lt;p&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fixed income securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td width="75%"&gt;

&lt;p&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Current yield&lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;to&lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;maturity and forecasts of future yields&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="top"&gt;&lt;td bgcolor="#c6d9f1" width="24%"&gt;

&lt;p&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other financial instruments&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="75%"&gt;

&lt;p&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Comparison of the specific investment's risk to that of fixed income and equity instruments and using judgment&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The long term rate of return considers historical returns. Adjustments were made to historical returns in order to reflect expectations of future returns. These adjustments were due to factor forecasts by economists and long&lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;term U.S. Treasury yields to forecast long&lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;term inflation. In addition, forecasts by economists and others for long&lt;/font&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;term GDP growth were factored into the development of assumptions for earnings growth and per capita income.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Plan's overall investment strategy is to achieve a mix of approximately &lt;font class="_mt"&gt;97&lt;/font&gt;% of investments for long-term growth and &lt;font class="_mt"&gt;3&lt;/font&gt;% for near-term benefit payments with a wide diversification of asset types, fund strategies, and fund managers. The target allocations for Plan assets are shown in the table below. Cash equivalents consist primarily of government issues (maturing in less than three months) and short term investment funds. Equity securities primarily include investments in common stock, depository receipts, preferred stock, commingled pension trust funds, exchange traded funds and real estate investment trusts. Fixed income securities include corporate bonds, government issues, credit card receivables, mortgage backed securities, municipals, commingled pension trust funds and other asset backed securities. Other investments are real estate interests and related investments held within a commingled pension trust fund.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Plan currently prohibits its investment managers from purchasing any security greater than &lt;font class="_mt"&gt;5&lt;/font&gt;% of the portfolio at the time of purchase or greater than &lt;font class="_mt"&gt;8&lt;/font&gt;% at market value in any one issuer. Effective June 2013, the issuer of any security purchased must be located in a country in the Morgan Stanley Capital International World Index. In addition, the following are prohibited:&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="23%"&gt; &lt;/td&gt;
&lt;td width="76%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="top"&gt;&lt;td bgcolor="#c6d9f1" width="23%"&gt;

&lt;p&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Equity securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="76%"&gt;

&lt;p&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Short sales&lt;/font&gt;&lt;/p&gt;

&lt;p&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Unregistered stocks&lt;/font&gt;&lt;/p&gt;

&lt;p&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Margin purchases&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="top"&gt;&lt;td width="23%"&gt;

&lt;p&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fixed income securities&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td width="76%"&gt;

&lt;p&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage backed derivatives that have an inverse floating rate coupon or that are interest only securities&lt;/font&gt;&lt;/p&gt;

&lt;p&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Any ABS that is not issued by the U.S. Government or its agencies or its instrumentalities&lt;/font&gt;&lt;/p&gt;

&lt;p&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Generally securities of less than Baa2/BBB quality may not be purchased&lt;/font&gt;&lt;/p&gt;

&lt;p&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Securities of less than A-quality may not in the aggregate exceed &lt;font class="_mt"&gt;13&lt;/font&gt;% of the investment manager's portfolio.&lt;/font&gt;&lt;/p&gt;

&lt;p&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;An investment manager's portfolio of commercial MBS and ABS shall not exceed &lt;font class="_mt"&gt;10&lt;/font&gt;% of the portfolio at the time of purchase.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="top"&gt;&lt;td bgcolor="#c6d9f1" width="23%"&gt;

&lt;p&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other financial instruments&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="76%"&gt;

&lt;p&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Unhedged currency exposure in countries not defined as "high income economies" by the World Bank&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;All other investments not prohibited by the Plan are permitted. At December 31, 2015 and 2014, the Plan held certain investments which are no longer deemed acceptable to acquire. These positions will be liquidated when the investment managers deem that such liquidation is in the best interest of the Plan.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The target allocation range below is both historic and prospective in that it has not changed since prior to 2013. It is the asset allocation range that the investment managers have been advised to adhere to and within which they may make tactical asset allocation decisions.&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="32%"&gt; &lt;/td&gt;
&lt;td width="20%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Percentage of Plan Assets&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Expected&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 2px;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Target&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="3" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;at December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Long-term&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Allocation&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Rate of Return&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Asset category:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash equivalents&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;0&lt;/font&gt;&lt;/font&gt;&amp;#8211; &lt;font class="_mt"&gt;20&lt;/font&gt;%&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt; &lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5.2&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8.7&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;0.16&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Equity securities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;40&lt;/font&gt;&lt;/font&gt;&amp;#8211; &lt;font class="_mt"&gt;60&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt; &lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;47.2&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48.2&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.97&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fixed income securities&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;40&lt;/font&gt;&lt;/font&gt;&amp;#8211; &lt;font class="_mt"&gt;60&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt; &lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;43.9&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;43.1&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2.01&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other financial instruments&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;0&lt;/font&gt;&lt;/font&gt;&amp;#8211; &lt;font class="_mt"&gt;5&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt; &lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.7&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;0.28&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Assets are segregated by the level of the valuation inputs within the fair value hierarchy established by ASC Topic 820 utilized to measure fair value (see Note 18 - Fair Value Measurements).&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;In instances in which the inputs used to measure fair value fall into different levels of the fair value hierarchy, the fair value measurement has been determined based on the lowest level input that is significant to the fair value measurement in its entirety. Investments valued using the NAV (Net Asset Value) are classified as level 2 if the Plan can redeem its investment with the investee at the NAV at the measurement date. If the Plan can never redeem the investment with the investee at the NAV, it is considered a level 3. If the Plan can redeem the investment at the NAV at a future date, the Plan's assessment of the significance of a particular item to the fair value measurement in its entirety requires judgment, including the consideration of inputs specific to the asset.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Plan uses the Thomson Reuters Pricing Service to determine the fair value of equities excluding commingled pension trust funds, the pricing service of IDC Corporate USA to determine the fair value of fixed income securities excluding commingled pension trust funds and JP Morgan Chase Bank, N.A. ("JPMorgan") to determine the fair value of commingled pension trust funds.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The following is a table of the pricing methodology and unobservable inputs used by JPMorgan in pricing commingled pension trust funds ("CPTF"):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="33%"&gt; &lt;/td&gt;
&lt;td width="31%"&gt; &lt;/td&gt;
&lt;td width="35%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td colspan="3" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Principal Valuation&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Technique(s) Used&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Unobservable Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;CPTF - Fixed Income:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;CPTF (Corporate High Yield) of&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Market&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;None&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;JPMorgan&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;CPTF (High Yield) of JPMorgan&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Market Comparables Companies&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;EBITDA multiple and discounts for lack&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;of marketability&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;CPTF (Extended Duration) of JPMorgan&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Market and Income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Constant prepayment rate, Constant&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;default rate and Yield&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;CPTF (Long Duration Investment&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Market&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;None&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Grade) of JPMorgan&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;CPTF (Emerging Markets Currency&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Market&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;None&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Debt) of JPMorgan&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;CPTF (Emerging Markets - Fixed&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Market&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;None&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income) of JPMorgan&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;CPTF &amp;#8211; Other:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;CPTF (Strategic Property) of JPMorgan&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Market, Income, Debt Service and&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Credit Spreads, Discount Rate, Loan to&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Sales Comparison&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Value Ratio, Terminal Capitalization&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Rate and Value per Square Foot&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;When valuing Commingled Pension Trust Funds (Equity) JPMorgan uses a market methodology and does not rely on unobservable inputs in those valuations.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The following table sets forth a summary of the changes in the Plan's level 3 assets for the year ended December 31, 2015:&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="55%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="42%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 3 assets, beginning of year&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Purchases&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,334&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Unrealized gains&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;336&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 3 assets, end of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,670&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The major categories of Plan assets measured at fair value on a recurring basis as of December 31 are presented in the following tables (in thousands).&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="40%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Level 1&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Level 2&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Level 3&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash equivalents:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Foreign currencies&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;35&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;35&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Short term investment funds&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,745&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,745&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 7px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total cash equivalents&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;35&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,745&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,780&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Equity securities:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Common stock&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,083&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,083&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Depository receipts&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;336&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;336&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commingled pension trust funds&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,557&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,557&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Exchange traded funds&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,190&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,190&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 7px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total equity securities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;23,609&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,557&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;34,166&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fixed income securities:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collateralized mortgage obligations&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;608&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;608&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commingled pension trust funds&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17,889&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17,889&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Corporate bonds&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,439&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,439&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;FHLMC&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;276&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;276&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;FNMA&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,966&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,966&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;GNMA II&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;384&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;384&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government issues&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,180&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,180&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total fixed income securities&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;31,742&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;31,742&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other investments:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commingled pension trust funds &amp;#8211; Realty&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,670&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,670&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total Plan investments&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;23,644&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;46,044&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,670&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;72,358&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;At December 31, 2015, the portfolio was managed by two investment firms, with control of the portfolio split approximately &lt;font class="_mt"&gt;58&lt;/font&gt;% and &lt;font class="_mt"&gt;38&lt;/font&gt;% under the control of the investment managers with the remaining &lt;font class="_mt"&gt;4&lt;/font&gt;% under the direct control of the Plan. A portfolio concentration in two of the commingled pension trust funds, an exchange traded fund and a short term investment fund of &lt;font class="_mt"&gt;11&lt;/font&gt;%, &lt;font class="_mt"&gt;7&lt;/font&gt;%, &lt;font class="_mt"&gt;7&lt;/font&gt;% and &lt;font class="_mt"&gt;5&lt;/font&gt;%, respectively, existed at December 31, 2015.&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="38%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Level 1&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Level 2&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Level 3&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash equivalents:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Foreign currencies&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;31&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;31&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government issues&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;249&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;249&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Short term investment funds&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,327&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 7px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total cash equivalents&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;31&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,576&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,607&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Equity securities:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Common stock&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,732&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,732&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Depository receipts&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;185&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;185&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commingled pension trust funds&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,802&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,802&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Exchange traded funds&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,573&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,573&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Preferred stock&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;140&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;140&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 7px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total equity securities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,630&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,802&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;36,432&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fixed income securities:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Auto loan receivable&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;330&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;330&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collateralized mortgage obligations&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;682&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;682&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commingled pension trust funds&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;21,083&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;21,083&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Corporate bonds&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,971&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,971&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;FHLMC&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;73&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;73&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;FNMA&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,951&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,951&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;GNMA II&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;123&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;123&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government issues&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,139&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,139&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other asset backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;160&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;160&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;33&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;33&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 7px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total fixed income securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;32,545&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;32,545&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total Plan investments&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,661&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;49,923&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;75,584&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;At December 31, 2014, the portfolio was managed by two investment firms, with control of the portfolio split approximately &lt;font class="_mt"&gt;57&lt;/font&gt;% and &lt;font class="_mt"&gt;39&lt;/font&gt;% under the control of the investment managers with the remaining &lt;font class="_mt"&gt;4&lt;/font&gt;% under the direct control of the Plan. A portfolio concentration in two of the commingled pension trust funds and a short term investment fund of &lt;font class="_mt"&gt;13&lt;/font&gt;%, &lt;font class="_mt"&gt;9&lt;/font&gt;% and &lt;font class="_mt"&gt;8&lt;/font&gt;%, respectively, existed at December 31, 2014.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Postretirement Benefit Plan&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;An entity acquired by the Company provided health and dental care benefits to retired employees who met specified age and service requirements through a postretirement health and dental care plan in which both the acquired entity and the retirees shared the cost. The plan provided for substantially the same medical insurance coverage as for active employees until their death and was integrated with Medicare for those retirees aged 65 or older. In 2001, the plan's eligibility requirements were amended to curtail eligible benefit payments to only retired employees and active employees who had already met the then-applicable age and service requirements under the Plan. In 2003, retirees under age 65 began contributing to health coverage at the same cost-sharing level as that of active employees. Retirees ages 65 or older were offered new Medicare supplemental plans as alternatives to the plan historically offered. The cost sharing of medical coverage was standardized throughout the group of retirees aged 65 or older. In addition, to be consistent with the administration of the Company's dental plan for active employees, all retirees who continued dental coverage began paying the full monthly premium. The accrued liability included in other liabilities in the consolidated statements of financial condition related to this plan amounted to $&lt;font class="_mt"&gt;107&lt;/font&gt; thousand and $&lt;font class="_mt"&gt;124&lt;/font&gt; thousand as of December 31, 2015 and 2014, respectively. The postretirement expense for the plan that was included in salaries and employee benefits in the consolidated statements of income was not significant for the years ended December 31, 2015, 2014 and 2013. The plan is not funded.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The components of accumulated other comprehensive loss related to the defined benefit plan and postretirement benefit plan as of December 31 are summarized below (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="55%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="26%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Defined benefit plan:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net actuarial loss&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(17,715&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(17,747&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Prior service cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(32&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(52&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(17,747&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(17,799&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Postretirement benefit plan:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net actuarial loss&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(162&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(186&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Prior service credit&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;304&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;372&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;142&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;186&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(17,605&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(17,613&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Deferred tax benefit&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,974&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,977&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amounts included in accumulated other comprehensive loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(10,631&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(10,636&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Changes in plan assets and benefit obligations recognized in other comprehensive income on a pre-tax basis during the years ended December 31 are as follows (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="52%"&gt; &lt;/td&gt;
&lt;td width="25%"&gt; &lt;/td&gt;
&lt;td width="4%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" align="left"&gt;&lt;b&gt; &lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Defined benefit plan:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net actuarial (loss) gain&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(894&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(9,669&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization of net loss&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;926&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;159&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization of prior service cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;52&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(9,490&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Postretirement benefit plan:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net actuarial (loss) gain&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(40&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization of net loss&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization of prior service credit&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(68&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(68&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(44&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(91&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total recognized in other comprehensive income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(9,581&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;For the year ending December 31, 2016, the estimated net loss and prior service credit for the plan that will be amortized from accumulated other comprehensive income into net periodic benefit cost is $&lt;font class="_mt"&gt;955&lt;/font&gt; thousand and $&lt;font class="_mt"&gt;47&lt;/font&gt; thousand, respectively.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Supplemental Executive Retirement Agreements&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company has non-qualified Supplemental Executive Retirement Agreements ("SERPs") covering one current and four former executives. The unfunded pension liability related to the SERPs was $&lt;font class="_mt"&gt;2.3&lt;/font&gt; million and $&lt;font class="_mt"&gt;2.2&lt;/font&gt; million at December 31, 2015 and 2014, respectively. SERP expense was $&lt;font class="_mt"&gt;408&lt;/font&gt; thousand, $&lt;font class="_mt"&gt;295&lt;/font&gt; thousand, and $&lt;font class="_mt"&gt;95&lt;/font&gt; thousand for 2015, 2014 and 2013, respectively.&lt;/font&gt;&lt;/p&gt; &lt;/div&gt;</us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock>
  <us-gaap:PensionExpense contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis_us-gaap_SupplementalEmployeeRetirementPlanDefinedBenefitMember" unitRef="Unit12" decimals="-3">95000</us-gaap:PensionExpense>
  <us-gaap:PensionExpense contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis_us-gaap_SupplementalEmployeeRetirementPlanDefinedBenefitMember" unitRef="Unit12" decimals="-3">295000</us-gaap:PensionExpense>
  <us-gaap:PensionExpense contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis_us-gaap_SupplementalEmployeeRetirementPlanDefinedBenefitMember" unitRef="Unit12" decimals="-3">408000</us-gaap:PensionExpense>
  <us-gaap:PreferredStockDividendRatePercentage contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementClassOfStockAxis_fisi_Series3PreferredStockMember" unitRef="Unit14" decimals="INF">0.03</us-gaap:PreferredStockDividendRatePercentage>
  <us-gaap:PreferredStockDividendRatePercentage contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementClassOfStockAxis_fisi_SeriesaThreePercentPreferredStockMember" unitRef="Unit14" decimals="2">0.03</us-gaap:PreferredStockDividendRatePercentage>
  <us-gaap:PreferredStockDividendRatePercentage contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesBPreferredStockMember" unitRef="Unit14" decimals="4">0.0848</us-gaap:PreferredStockDividendRatePercentage>
  <us-gaap:PreferredStockDividendRatePercentage contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementClassOfStockAxis_fisi_Series3PreferredStockMember" unitRef="Unit14" decimals="INF">0.03</us-gaap:PreferredStockDividendRatePercentage>
  <us-gaap:PreferredStockDividendRatePercentage contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementClassOfStockAxis_fisi_SeriesaThreePercentPreferredStockMember" unitRef="Unit14" decimals="2">0.03</us-gaap:PreferredStockDividendRatePercentage>
  <us-gaap:PreferredStockDividendRatePercentage contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesBPreferredStockMember" unitRef="Unit14" decimals="4">0.0848</us-gaap:PreferredStockDividendRatePercentage>
  <us-gaap:PreferredStockDividendRatePerDollarAmount contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementClassOfStockAxis_fisi_SeriesaThreePercentPreferredStockMember" unitRef="Unit16" decimals="2">3.00</us-gaap:PreferredStockDividendRatePerDollarAmount>
  <us-gaap:PreferredStockDividendRatePerDollarAmount contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesBPreferredStockMember" unitRef="Unit16" decimals="2">8.48</us-gaap:PreferredStockDividendRatePerDollarAmount>
  <us-gaap:PreferredStockDividendsIncomeStatementImpact contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">1466000</us-gaap:PreferredStockDividendsIncomeStatementImpact>
  <us-gaap:PreferredStockDividendsIncomeStatementImpact contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">1462000</us-gaap:PreferredStockDividendsIncomeStatementImpact>
  <us-gaap:PreferredStockDividendsIncomeStatementImpact contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">1462000</us-gaap:PreferredStockDividendsIncomeStatementImpact>
  <us-gaap:PreferredStockDividendsPerShareDeclared contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_StatementClassOfStockAxis_fisi_Series3PreferredStockMember" unitRef="Unit16" decimals="2">3.00</us-gaap:PreferredStockDividendsPerShareDeclared>
  <us-gaap:PreferredStockDividendsPerShareDeclared contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesBPreferredStockMember" unitRef="Unit16" decimals="2">8.48</us-gaap:PreferredStockDividendsPerShareDeclared>
  <us-gaap:PreferredStockDividendsPerShareDeclared contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementClassOfStockAxis_fisi_Series3PreferredStockMember" unitRef="Unit16" decimals="2">3.00</us-gaap:PreferredStockDividendsPerShareDeclared>
  <us-gaap:PreferredStockDividendsPerShareDeclared contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesBPreferredStockMember" unitRef="Unit16" decimals="2">8.48</us-gaap:PreferredStockDividendsPerShareDeclared>
  <us-gaap:PreferredStockDividendsPerShareDeclared contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementClassOfStockAxis_fisi_Series3PreferredStockMember" unitRef="Unit16" decimals="2">3.00</us-gaap:PreferredStockDividendsPerShareDeclared>
  <us-gaap:PreferredStockDividendsPerShareDeclared contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesBPreferredStockMember" unitRef="Unit16" decimals="2">8.48</us-gaap:PreferredStockDividendsPerShareDeclared>
  <us-gaap:PreferredStockParOrStatedValuePerShare contextRef="As_Of_12_31_2014_us-gaap_StatementClassOfStockAxis_fisi_Series3PreferredStockMember" unitRef="Unit16" decimals="INF">100</us-gaap:PreferredStockParOrStatedValuePerShare>
  <us-gaap:PreferredStockParOrStatedValuePerShare contextRef="As_Of_12_31_2014_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesBPreferredStockMember" unitRef="Unit16" decimals="INF">100</us-gaap:PreferredStockParOrStatedValuePerShare>
  <us-gaap:PreferredStockParOrStatedValuePerShare contextRef="As_Of_12_31_2015" unitRef="Unit16" decimals="INF">100</us-gaap:PreferredStockParOrStatedValuePerShare>
  <us-gaap:PreferredStockParOrStatedValuePerShare contextRef="As_Of_12_31_2015_us-gaap_StatementClassOfStockAxis_fisi_Series3PreferredStockMember" unitRef="Unit16" decimals="INF">100</us-gaap:PreferredStockParOrStatedValuePerShare>
  <us-gaap:PreferredStockParOrStatedValuePerShare contextRef="As_Of_12_31_2015_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesBPreferredStockMember" unitRef="Unit16" decimals="INF">100</us-gaap:PreferredStockParOrStatedValuePerShare>
  <us-gaap:PreferredStockSharesAuthorized contextRef="As_Of_12_31_2014_us-gaap_StatementClassOfStockAxis_fisi_Series3PreferredStockMember" unitRef="Unit1" decimals="INF">1533</us-gaap:PreferredStockSharesAuthorized>
  <us-gaap:PreferredStockSharesAuthorized contextRef="As_Of_12_31_2014_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesBPreferredStockMember" unitRef="Unit1" decimals="INF">200000</us-gaap:PreferredStockSharesAuthorized>
  <us-gaap:PreferredStockSharesAuthorized contextRef="As_Of_12_31_2015" unitRef="Unit1" decimals="INF">210000</us-gaap:PreferredStockSharesAuthorized>
  <us-gaap:PreferredStockSharesAuthorized contextRef="As_Of_12_31_2015_us-gaap_StatementClassOfStockAxis_fisi_Series3PreferredStockMember" unitRef="Unit1" decimals="INF">1533</us-gaap:PreferredStockSharesAuthorized>
  <us-gaap:PreferredStockSharesAuthorized contextRef="As_Of_12_31_2015_us-gaap_StatementClassOfStockAxis_us-gaap_PreferredClassAMember" unitRef="Unit1" decimals="INF">10000</us-gaap:PreferredStockSharesAuthorized>
  <us-gaap:PreferredStockSharesAuthorized contextRef="As_Of_12_31_2015_us-gaap_StatementClassOfStockAxis_us-gaap_PreferredClassBMember" unitRef="Unit1" decimals="INF">200000</us-gaap:PreferredStockSharesAuthorized>
  <us-gaap:PreferredStockSharesAuthorized contextRef="As_Of_12_31_2015_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesBPreferredStockMember" unitRef="Unit1" decimals="INF">200000</us-gaap:PreferredStockSharesAuthorized>
  <us-gaap:PreferredStockSharesIssued contextRef="As_Of_12_31_2014" unitRef="Unit1" decimals="INF">173398</us-gaap:PreferredStockSharesIssued>
  <us-gaap:PreferredStockSharesIssued contextRef="As_Of_12_31_2014_us-gaap_StatementClassOfStockAxis_fisi_Series3PreferredStockMember" unitRef="Unit1" decimals="INF">1492</us-gaap:PreferredStockSharesIssued>
  <us-gaap:PreferredStockSharesIssued contextRef="As_Of_12_31_2014_us-gaap_StatementClassOfStockAxis_fisi_SeriesaThreePercentPreferredStockMember" unitRef="Unit1" decimals="INF">1492</us-gaap:PreferredStockSharesIssued>
  <us-gaap:PreferredStockSharesIssued contextRef="As_Of_12_31_2014_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesBPreferredStockMember" unitRef="Unit1" decimals="INF">171906</us-gaap:PreferredStockSharesIssued>
  <us-gaap:PreferredStockSharesIssued contextRef="As_Of_12_31_2015" unitRef="Unit1" decimals="INF">173398</us-gaap:PreferredStockSharesIssued>
  <us-gaap:PreferredStockSharesIssued contextRef="As_Of_12_31_2015_us-gaap_StatementClassOfStockAxis_fisi_Series3PreferredStockMember" unitRef="Unit1" decimals="INF">1492</us-gaap:PreferredStockSharesIssued>
  <us-gaap:PreferredStockSharesIssued contextRef="As_Of_12_31_2015_us-gaap_StatementClassOfStockAxis_fisi_SeriesaThreePercentPreferredStockMember" unitRef="Unit1" decimals="INF">1492</us-gaap:PreferredStockSharesIssued>
  <us-gaap:PreferredStockSharesIssued contextRef="As_Of_12_31_2015_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesBPreferredStockMember" unitRef="Unit1" decimals="INF">171906</us-gaap:PreferredStockSharesIssued>
  <us-gaap:PreferredStockSharesOutstanding contextRef="As_Of_12_31_2014" unitRef="Unit1" decimals="INF">173398</us-gaap:PreferredStockSharesOutstanding>
  <us-gaap:PreferredStockSharesOutstanding contextRef="As_Of_12_31_2015" unitRef="Unit1" decimals="INF">173398</us-gaap:PreferredStockSharesOutstanding>
  <us-gaap:PreferredStockValue contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">17340000</us-gaap:PreferredStockValue>
  <us-gaap:PreferredStockValue contextRef="As_Of_12_31_2014_us-gaap_StatementClassOfStockAxis_fisi_Series3PreferredStockMember" unitRef="Unit12" decimals="-3">149000</us-gaap:PreferredStockValue>
  <us-gaap:PreferredStockValue contextRef="As_Of_12_31_2014_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesBPreferredStockMember" unitRef="Unit12" decimals="-3">17191000</us-gaap:PreferredStockValue>
  <us-gaap:PreferredStockValue contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">17340000</us-gaap:PreferredStockValue>
  <us-gaap:PreferredStockValue contextRef="As_Of_12_31_2015_us-gaap_StatementClassOfStockAxis_fisi_Series3PreferredStockMember" unitRef="Unit12" decimals="-3">149000</us-gaap:PreferredStockValue>
  <us-gaap:PreferredStockValue contextRef="As_Of_12_31_2015_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesBPreferredStockMember" unitRef="Unit12" decimals="-3">17191000</us-gaap:PreferredStockValue>
  <us-gaap:PriorPeriodReclassificationAdjustmentDescription contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(u.) Reclassifications&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Certain items in prior financial statements have been reclassified to conform to the current presentation.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:PriorPeriodReclassificationAdjustmentDescription>
  <us-gaap:ProceedsFromDebtNetOfIssuanceCosts contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_DebtInstrumentAxis_fisi_SubordinatedNotes1Member" unitRef="Unit12" decimals="-5">38900000</us-gaap:ProceedsFromDebtNetOfIssuanceCosts>
  <us-gaap:ProceedsFromIssuanceOfLongTermDebt contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">40000000</us-gaap:ProceedsFromIssuanceOfLongTermDebt>
  <us-gaap:ProceedsFromIssuanceOfLongTermDebt contextRef="Duration_1_1_2015_To_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">38940000</us-gaap:ProceedsFromIssuanceOfLongTermDebt>
  <us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">1327000</us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">81600000</us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">54277000</us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromPaymentsForOtherFinancingActivities contextRef="Duration_1_1_2013_To_12_31_2013_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">-118000</us-gaap:ProceedsFromPaymentsForOtherFinancingActivities>
  <us-gaap:ProceedsFromPaymentsForOtherFinancingActivities contextRef="Duration_1_1_2015_To_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">79000</us-gaap:ProceedsFromPaymentsForOtherFinancingActivities>
  <us-gaap:ProceedsFromRepaymentsOfShortTermDebt contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">157236000</us-gaap:ProceedsFromRepaymentsOfShortTermDebt>
  <us-gaap:ProceedsFromRepaymentsOfShortTermDebt contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">-2238000</us-gaap:ProceedsFromRepaymentsOfShortTermDebt>
  <us-gaap:ProceedsFromRepaymentsOfShortTermDebt contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">-41704000</us-gaap:ProceedsFromRepaymentsOfShortTermDebt>
  <us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">143053000</us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">140338000</us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">127257000</us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">14784000</us-gaap:ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities>
  <us-gaap:ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">31026000</us-gaap:ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities>
  <us-gaap:ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">36162000</us-gaap:ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities>
  <us-gaap:ProceedsFromSaleOfLoansHeldForSale contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">26184000</us-gaap:ProceedsFromSaleOfLoansHeldForSale>
  <us-gaap:ProceedsFromSaleOfLoansHeldForSale contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">16543000</us-gaap:ProceedsFromSaleOfLoansHeldForSale>
  <us-gaap:ProceedsFromSaleOfLoansHeldForSale contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">16195000</us-gaap:ProceedsFromSaleOfLoansHeldForSale>
  <us-gaap:ProceedsFromStockOptionsExercised contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">448000</us-gaap:ProceedsFromStockOptionsExercised>
  <us-gaap:ProceedsFromStockOptionsExercised contextRef="Duration_1_1_2013_To_12_31_2013_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">448000</us-gaap:ProceedsFromStockOptionsExercised>
  <us-gaap:ProceedsFromStockOptionsExercised contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">667000</us-gaap:ProceedsFromStockOptionsExercised>
  <us-gaap:ProceedsFromStockOptionsExercised contextRef="Duration_1_1_2014_To_12_31_2014_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">667000</us-gaap:ProceedsFromStockOptionsExercised>
  <us-gaap:ProceedsFromStockOptionsExercised contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">359000</us-gaap:ProceedsFromStockOptionsExercised>
  <us-gaap:ProceedsFromStockOptionsExercised contextRef="Duration_1_1_2015_To_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">359000</us-gaap:ProceedsFromStockOptionsExercised>
  <us-gaap:ProfessionalFees contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">3836000</us-gaap:ProfessionalFees>
  <us-gaap:ProfessionalFees contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">4760000</us-gaap:ProfessionalFees>
  <us-gaap:ProfessionalFees contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">4502000</us-gaap:ProfessionalFees>
  <us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(6.) PREMISES AND EQUIPMENT, NET&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Major classes of premises and equipment at December 31 are summarized as follows (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="49%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="31%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Land and land improvements&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,917&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,797&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Buildings and leasehold improvements&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;46,402&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;42,826&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Furniture, fixtures, equipment and vehicles&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;31,868&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;29,853&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Premises and equipment&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;84,187&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;77,476&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Accumulated depreciation and amortization&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(44,742&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(41,082&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Premises and equipment, net&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;39,445&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;36,394&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Depreciation and amortization expense relating to premises and equipment, included in occupancy and equipment expense in the consolidated statements of income, amounted to $&lt;font class="_mt"&gt;4.4&lt;/font&gt; million, $&lt;font class="_mt"&gt;4.0&lt;/font&gt; million and $&lt;font class="_mt"&gt;3.8&lt;/font&gt; million for the years ended December 31, 2015, 2014 and 2013, respectively.&lt;/font&gt;&lt;/p&gt; &lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock>
  <us-gaap:PropertyPlantAndEquipmentGross contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">77476000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross contextRef="As_Of_12_31_2014_us-gaap_PropertyPlantAndEquipmentByTypeAxis_fisi_BuildingsAndLeaseholdImprovementsMember" unitRef="Unit12" decimals="-3">42826000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross contextRef="As_Of_12_31_2014_us-gaap_PropertyPlantAndEquipmentByTypeAxis_fisi_FurnitureFixturesEquipmentAndVehiclesMember" unitRef="Unit12" decimals="-3">29853000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross contextRef="As_Of_12_31_2014_us-gaap_PropertyPlantAndEquipmentByTypeAxis_us-gaap_LandAndLandImprovementsMember" unitRef="Unit12" decimals="-3">4797000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">84187000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross contextRef="As_Of_12_31_2015_us-gaap_PropertyPlantAndEquipmentByTypeAxis_fisi_BuildingsAndLeaseholdImprovementsMember" unitRef="Unit12" decimals="-3">46402000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross contextRef="As_Of_12_31_2015_us-gaap_PropertyPlantAndEquipmentByTypeAxis_fisi_FurnitureFixturesEquipmentAndVehiclesMember" unitRef="Unit12" decimals="-3">31868000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross contextRef="As_Of_12_31_2015_us-gaap_PropertyPlantAndEquipmentByTypeAxis_us-gaap_LandAndLandImprovementsMember" unitRef="Unit12" decimals="-3">5917000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentNet contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">36394000</us-gaap:PropertyPlantAndEquipmentNet>
  <us-gaap:PropertyPlantAndEquipmentNet contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">39445000</us-gaap:PropertyPlantAndEquipmentNet>
  <us-gaap:PropertyPlantAndEquipmentPolicyTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(k.) Premises and Equipment&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Premises and equipment are stated at cost, less accumulated depreciation and amortization. Depreciation is computed on the straight-line method over the estimated useful lives of the assets. The Company generally amortizes buildings and building improvements over a period of&amp;nbsp;&lt;font class="_mt"&gt;15&lt;/font&gt; to&amp;nbsp;&lt;font class="_mt"&gt;39&lt;/font&gt; years and software, furniture and equipment over a period of&amp;nbsp;&lt;font class="_mt"&gt;3&lt;/font&gt; to&amp;nbsp;&lt;font class="_mt"&gt;10&lt;/font&gt; years. Leasehold improvements are amortized over the shorter of the lease term or the useful life of the improvements. Premises and equipment are periodically reviewed for impairment or when circumstances present indicators of impairment.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentPolicyTextBlock>
  <us-gaap:PropertyPlantAndEquipmentTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="49%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="31%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Land and land improvements&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,917&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,797&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Buildings and leasehold improvements&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;46,402&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;42,826&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Furniture, fixtures, equipment and vehicles&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;31,868&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;29,853&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Premises and equipment&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;84,187&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;77,476&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Accumulated depreciation and amortization&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(44,742&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(41,082&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Premises and equipment, net&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;39,445&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;36,394&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentTextBlock>
  <us-gaap:PropertyPlantAndEquipmentUsefulLife contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_PropertyPlantAndEquipmentByTypeAxis_fisi_SoftwareFurnitureAndEquipmentMember_us-gaap_RangeAxis_us-gaap_MaximumMember">P10Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
  <us-gaap:PropertyPlantAndEquipmentUsefulLife contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_PropertyPlantAndEquipmentByTypeAxis_fisi_SoftwareFurnitureAndEquipmentMember_us-gaap_RangeAxis_us-gaap_MinimumMember">P3Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
  <us-gaap:PropertyPlantAndEquipmentUsefulLife contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_PropertyPlantAndEquipmentByTypeAxis_us-gaap_BuildingAndBuildingImprovementsMember_us-gaap_RangeAxis_us-gaap_MaximumMember">P39Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
  <us-gaap:PropertyPlantAndEquipmentUsefulLife contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_PropertyPlantAndEquipmentByTypeAxis_us-gaap_BuildingAndBuildingImprovementsMember_us-gaap_RangeAxis_us-gaap_MinimumMember">P15Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
  <us-gaap:ProvisionForLoanAndLeaseLosses contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">9079000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <us-gaap:ProvisionForLoanAndLeaseLosses contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">7789000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <us-gaap:ProvisionForLoanAndLeaseLosses contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementBusinessSegmentsAxis_fisi_BankingSegmentMember" unitRef="Unit12" decimals="-3">7789000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <us-gaap:ProvisionForLoanAndLeaseLosses contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">7381000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <us-gaap:ProvisionForLoanAndLeaseLosses contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementBusinessSegmentsAxis_fisi_BankingSegmentMember" unitRef="Unit12" decimals="-3">7381000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">9079000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">110000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_ConsumerIndirectMember" unitRef="Unit12" decimals="-3">6479000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">1396000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_ConsumerOtherFinancingReceivableMember" unitRef="Unit12" decimals="-3">482000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_HomeEquityMember" unitRef="Unit12" decimals="-3">319000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_ResidentialMortgageMember" unitRef="Unit12" decimals="-3">293000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">7789000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">1351000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_ConsumerIndirectMember" unitRef="Unit12" decimals="-3">4836000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">540000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_ConsumerOtherFinancingReceivableMember" unitRef="Unit12" decimals="-3">615000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_HomeEquityMember" unitRef="Unit12" decimals="-3">402000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_ResidentialMortgageMember" unitRef="Unit12" decimals="-3">45000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">7381000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_CommercialAndIndustrialMember" unitRef="Unit12" decimals="-3">1140000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_fisi_ConsumerIndirectMember" unitRef="Unit12" decimals="-3">4031000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_CommercialRealEstateMember" unitRef="Unit12" decimals="-3">1654000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_ConsumerOtherFinancingReceivableMember" unitRef="Unit12" decimals="-3">468000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_HomeEquityMember" unitRef="Unit12" decimals="-3">101000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap_ResidentialMortgageMember" unitRef="Unit12" decimals="-3">-13000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:RealizedGainLossOnInvestmentsTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="37%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="34%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Proceeds from sales&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;54,277&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;81,600&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,327&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Gross realized gains&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,000&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,043&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,226&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Gross realized losses&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:RealizedGainLossOnInvestmentsTableTextBlock>
  <us-gaap:ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">-11000</us-gaap:ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax>
  <us-gaap:ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" unitRef="Unit12" decimals="-3">-795000</us-gaap:ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax>
  <us-gaap:ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="Unit12" decimals="-3">784000</us-gaap:ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax>
  <us-gaap:ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">1420000</us-gaap:ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax>
  <us-gaap:ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" unitRef="Unit12" decimals="-3">-77000</us-gaap:ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax>
  <us-gaap:ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="Unit12" decimals="-3">1497000</us-gaap:ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax>
  <us-gaap:ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember" unitRef="Unit12" decimals="-3">1420000</us-gaap:ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax>
  <us-gaap:ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">833000</us-gaap:ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax>
  <us-gaap:ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" unitRef="Unit12" decimals="-3">-550000</us-gaap:ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax>
  <us-gaap:ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="Unit12" decimals="-3">1383000</us-gaap:ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax>
  <us-gaap:ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember" unitRef="Unit12" decimals="-3">833000</us-gaap:ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax>
  <us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="36%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="11%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="32%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="4" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount Reclassified from&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Details About Accumulated Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="4" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Accumulated Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Affected Line Item in the&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Comprehensive Income Components&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="4" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Comprehensive Income&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Consolidated Statement of Income&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Realized gain on sale of investment securities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,988&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,041&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net gain on disposal of investment securities&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization of unrealized holding gains (losses)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;on investment securities transferred from&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;available for sale to held to maturity&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;263&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;437&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Interest income&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,251&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,478&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total before tax&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(868&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(981&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income tax expense&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,383&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,497&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net of tax&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization of pension and post-retirement items:&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Prior service credit&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Salaries and employee benefits&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net actuarial losses&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(943&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(176&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Salaries and employee benefits&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(895&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(128&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total before tax&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;345&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;51&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income tax benefit&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(550&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(77&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net of tax&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="8"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total reclassified for the period&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;833&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,420&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="1"&gt;(1) &lt;/font&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;These items are included in the computation of net periodic pension expense. See Note 17 &amp;#8211; Employee Benefit Plans for additional information.&lt;/font&gt;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock>
  <us-gaap:ReconciliationOfAssetsFromSegmentToConsolidatedTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="33%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="27%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;b&gt; &lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Holding&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;b&gt; &lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Company and&lt;/font&gt;&lt;/b&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Consolidated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="27%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Banking&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Insurance&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="center"&gt;&lt;b&gt; &lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Totals&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="33%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;December 31, 2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="33%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Goodwill&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="27%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48,536&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11,866&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;60,402&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="33%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other intangible assets, net&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="27%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;829&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,715&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,544&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="33%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="27%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,356,987&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20,315&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt; &lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,722&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,381,024&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="100%" colspan="9"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="33%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;December 31, 2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="33%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Goodwill&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="27%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48,536&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,617&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;61,153&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="33%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other intangible assets, net&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="27%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,125&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,361&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,486&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="33%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total assets&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="27%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,065,109&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20,368&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt; &lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,044&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,089,521&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ReconciliationOfAssetsFromSegmentToConsolidatedTextBlock>
  <us-gaap:ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="33%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Holding&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Company and&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Consolidated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Banking&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Insurance&lt;/font&gt;&lt;/b&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Totals&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Year ended December 31, 2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net interest income (expense)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;97,063&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,750&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;95,313&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Provision for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(7,381&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(7,381&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Noninterest income&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;24,734&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,969&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;634&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;30,337&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Noninterest expense&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(71,599&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(5,426&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,368&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(79,393&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income (loss) before income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;42,817&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(457&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3,484&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;38,876&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income tax (expense) benefit&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(12,230&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(121&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,812&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(10,539&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net income (loss)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;30,587&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(578&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,672&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;28,337&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="13"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Year ended December 31, 2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net interest income&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;93,774&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;93,774&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Provision for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(7,789&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(7,789&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Noninterest income&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;23,602&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,073&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(325&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,350&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Noninterest expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(67,857&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,877&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,621&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(72,355&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income (loss) before income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;41,730&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;196&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,946&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;38,980&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income tax (expense) benefit&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(10,735&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(9&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,119&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(9,625&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="13"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net income (loss)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;30,995&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;187&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,827&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;29,355&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1) &lt;/font&gt;&lt;/sup&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Reflects activity from SDN since August 1, 2014, the date of acquisition.&lt;/font&gt;&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2) &lt;/font&gt;&lt;/sup&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Insurance segment includes goodwill impairment of $&lt;font class="_mt"&gt;751&lt;/font&gt; thousand&lt;/font&gt;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTextBlock>
  <us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(11.) REGULATORY MATTERS&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;General&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The supervision and regulation of financial and bank holding companies and their subsidiaries is intended primarily for the protection of depositors, the deposit insurance funds regulated by the FDIC and the banking system as a whole, and not for the protection of shareholders or creditors of bank holding companies. The various bank regulatory agencies have broad enforcement power over financial holding companies and banks, including the power to impose substantial fines, operational restrictions and other penalties for violations of laws and regulations and for safety and soundness considerations.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Capital&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Banks and bank holding companies are subject to various regulatory capital requirements administered by state and federal banking agencies. Capital adequacy guidelines and, additionally for banks, prompt corrective action regulations, involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators about components, risk weighting and other factors.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Basel III Capital Rules, a new comprehensive capital framework for U.S. banking organizations, became effective for the Company and the Bank on January 1, 2015 (subject to a phase-in period for certain provisions). Quantitative measures established by the Basel III Capital Rules to ensure capital adequacy require the maintenance of minimum amounts and ratios (set forth in the table that follows) of Common Equity Tier 1 capital ("CET1"), Tier 1 capital and Total capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital to adjusted quarterly average assets (as defined).&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company's and the Bank's Common Equity Tier 1 capital includes common stock and related paid-in capital, net of treasury stock, and retained earnings. In connection with the adoption of the Basel III Capital Rules, we elected to opt-out of the requirement to include most components of accumulated other comprehensive income in Common Equity Tier 1. Common Equity Tier 1 for both the Company and the Bank is reduced by goodwill and other intangible assets, net of associated deferred tax liabilities, and subject to transition provisions.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Tier 1 capital includes Common Equity Tier 1 capital and additional Tier 1 capital. For the Company, additional Tier 1 capital at December 31, 2015 includes, subject to limitation, $&lt;font class="_mt"&gt;17.3&lt;/font&gt; million of preferred stock.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total capital includes Tier 1 capital and Tier 2 capital. Tier 2 capital for both the Company and the Bank includes a permissible portion of the allowance for loan losses. Tier 2 capital for the Company also includes qualified subordinated debt. At December 31, 2015, the Company's Tier 2 capital included $&lt;font class="_mt"&gt;39.0&lt;/font&gt; million of Subordinated Notes.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Prior to January 1, 2015, under the capital rules then in effect, the Company's and the Bank's Tier 1 capital included total shareholders' equity excluding accumulated other comprehensive income and goodwill and other intangible assets, net of associated deferred tax liabilities. Tier 1 capital for the Company also included $&lt;font class="_mt"&gt;17.3&lt;/font&gt; million of preferred stock. The Company and the Bank's Total capital included Tier 1 capital for each entity plus a permissible portion of the allowance for loan losses.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Common Equity Tier 1 (beginning in 2015), Tier 1 and Total capital ratios are calculated by dividing the respective capital amounts by risk-weighted assets. Risk-weighted assets are calculated based on regulatory requirements and include total assets, with certain exclusions, allocated by risk weight category, and certain off-balance-sheet items, among other things. The leverage ratio is calculated by dividing Tier 1 capital by adjusted quarterly average total assets, which exclude goodwill and other intangible assets, among other things.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;When fully phased in on January 1, 2019, the Basel III Capital Rules will require the Company and the Bank to maintain (i) a minimum ratio of Common Equity Tier 1 capital to risk-weighted assets of at least &lt;font class="_mt"&gt;4.5&lt;/font&gt;%, plus a &lt;font class="_mt"&gt;2.5&lt;/font&gt;% "capital conservation buffer" (which is added to the 4.5% Common Equity Tier 1 capital ratio as that buffer is phased in, effectively resulting in a minimum ratio of Common Equity Tier&amp;nbsp;&lt;font class="_mt"&gt;1&lt;/font&gt; capital to risk-weighted assets of at least &lt;font class="_mt"&gt;7.0&lt;/font&gt;% upon full implementation), (ii) a minimum ratio of Tier 1 capital to risk-weighted assets of at least &lt;font class="_mt"&gt;6.0&lt;/font&gt;%, plus the capital conservation buffer (which is added to the 6.0% Tier 1 capital ratio as that buffer is phased in, effectively resulting in a minimum Tier 1 capital ratio of &lt;font class="_mt"&gt;8.5&lt;/font&gt;% upon full implementation), (iii) a minimum ratio of Total capital (that is, Tier 1 plus Tier 2) to risk-weighted assets of at least &lt;font class="_mt"&gt;8.0&lt;/font&gt;%, plus the capital conservation buffer (which is added to the 8.0% total capital ratio as that buffer is phased in, effectively resulting in a minimum total capital ratio of &lt;font class="_mt"&gt;10.5&lt;/font&gt;% upon full implementation) and (iv) a minimum leverage ratio of &lt;font class="_mt"&gt;4.0&lt;/font&gt;%, calculated as the ratio of Tier 1 capital to average quarterly assets.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The implementation of the capital conservation buffer will begin on January 1, 2016 at the &lt;font class="_mt"&gt;0.625&lt;/font&gt;% level and be phased in over a four-year period (increasing by that amount on each subsequent January 1, until it reaches &lt;font class="_mt"&gt;2.5&lt;/font&gt;% on January 1, 2019). The Basel III Capital Rules also provide for a "countercyclical capital buffer" that is applicable to only certain covered institutions and does not have any current applicability to the Company or the Bank. The capital conservation buffer is designed to absorb losses during periods of economic stress and, as detailed above, effectively increases the minimum required risk-weighted capital ratios. Banking institutions with a ratio of Common Equity Tier 1 capital to risk-weighted assets below the effective minimum (4.5% plus the capital conservation buffer and, if applicable, the countercyclical capital buffer) will face constraints on dividends, equity repurchases and compensation based on the amount of the shortfall.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The following table presents actual and required capital ratios as of December 31, 2015 for the Company and the Bank under the Basel III Capital Rules. The minimum required capital amounts presented include the minimum required capital levels as of December 31, 2015 based on the phase-in provisions of the Basel III Capital Rules and the minimum required capital levels as of January 1, 2019 when the Basel III Capital Rules have been fully phased-in. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div class="MetaData"&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

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&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="2" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Minimum Capital&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="2" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Minimum Capital&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 5px;" colspan="2" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Required to be&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Required &amp;#8211; Basel III&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Required &amp;#8211; Basel III&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Considered Well&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Actual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Phase-in Schedule&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fully Phased-in&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Capitalized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Tier 1 leverage:&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Company&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;243,452&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7.41&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;131,506&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;131,506&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;164,382&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Bank&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;265,487&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8.09&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;131,188&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;131,188&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;163,985&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;CET1 capital:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Company&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;226,413&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9.77&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;104,334&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.50&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;162,297&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;150,705&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6.50&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Bank&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;265,487&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11.49&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;103,971&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.50&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;161,733&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;150,180&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6.50&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Tier 1 capital:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Company&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;243,452&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10.50&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;139,112&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;197,076&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8.50&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;185,483&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Bank&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;265,487&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11.49&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;138,628&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;196,389&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8.50&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;184,837&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total&amp;nbsp;capital:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Company&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;309,527&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13.35&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;185,483&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;243,446&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10.50&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;231,854&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Bank&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;292,572&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12.66&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;184,837&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;242,599&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10.50&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;231,046&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company's and the Bank's actual and required regulatory capital ratios of December 31, 2014 under the regulatory capital rules then in effect were as follows (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="6%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="6%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Minimum Required&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 4px;" colspan="2" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Required to be&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;for Capital&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="2" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Considered Well&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Actual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Adequacy Purposes&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Capitalized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Tier 1 leverage:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Company&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;219,904&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7.35&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;119,722&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;149,653&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Bank&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;215,672&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7.21&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;119,671&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;149,588&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Tier 1 capital:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Company&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;219,904&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10.47&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;83,985&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;125,977&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Bank&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;215,672&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10.28&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;83,889&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;125,834&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total risk-based capital:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Company&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;246,166&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11.72&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;167,970&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;209,962&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Bank&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;241,905&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11.53&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;167,779&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;209,723&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;As of December 31, 2015, the Company and Bank were considered "well capitalized" under all regulatory capital guidelines. Such determination has been made based on the Tier 1 leverage, CET1capital, Tier 1 capital and total capital ratios.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Federal Reserve Requirements&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;As of December 31, 2015 and 2014, the Bank was not required to maintain a reserve balance at the FRB of New York. The reserve requirement was $&lt;font class="_mt"&gt;1.0&lt;/font&gt; million as of December 31, 2013.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Dividend Restrictions&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;In the ordinary course of business, the Company is dependent upon dividends from the Bank to provide funds for the payment of dividends to shareholders and to provide for other cash requirements. Banking regulations may limit the amount of dividends that may be paid. Approval by regulatory authorities is required if the effect of dividends declared would cause the regulatory capital of the Bank to fall below specified minimum levels. Approval is also required if dividends declared exceed the net profits for that year combined with the retained net profits for the preceding two years.&lt;/font&gt;&lt;/p&gt; &lt;/div&gt;</us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
  <us-gaap:RegulatoryIncomeTaxesPolicy contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(r.) Income Taxes&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income taxes are accounted for using the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates in effect for the year in which those temporary differences are expected to be recovered or settled. The effect of a change in tax rates on deferred tax assets and liabilities is recognized in income in the period that includes the enactment date. A valuation allowance is recognized on deferred tax assets if, based upon the weight of available evidence, it is more likely than not that some or all of the assets may not be realized. The Company recognizes interest and/or penalties related to income tax matters in income tax expense.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:RegulatoryIncomeTaxesPolicy>
  <us-gaap:RestrictedCashAndCashEquivalents contextRef="As_Of_12_31_2013_dei_LegalEntityAxis_fisi_FederalReserveBankOfNewYorkMember" unitRef="Unit12" decimals="-5">1000000</us-gaap:RestrictedCashAndCashEquivalents>
  <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">203312000</us-gaap:RetainedEarningsAccumulatedDeficit>
  <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">218920000</us-gaap:RetainedEarningsAccumulatedDeficit>
  <us-gaap:Revenues contextRef="Duration_1_1_2013_To_12_31_2013_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">15439000</us-gaap:Revenues>
  <us-gaap:Revenues contextRef="Duration_1_1_2014_To_12_31_2014_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">21411000</us-gaap:Revenues>
  <us-gaap:Revenues contextRef="Duration_1_1_2015_To_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">17774000</us-gaap:Revenues>
  <us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="39%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="32%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Principal&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Net Deferred&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Loan (Fees)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Outstanding&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Costs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Loans, Net&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial business&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;313,475&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;283&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;313,758&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;567,481&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,380&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;566,101&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Residential mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;98,302&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;98,309&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Home equity&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;402,487&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,625&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;410,112&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Consumer indirect&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;652,494&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;24,446&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;676,940&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,361&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;181&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,542&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,052,600&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;31,162&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,083,762&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Allowance for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(27,085&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total loans, net&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,056,677&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="9"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial business&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;267,377&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;32&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;267,409&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;476,407&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,315&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;475,092&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Residential mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;100,241&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(140&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;100,101&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Home equity&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;379,774&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,841&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;386,615&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Consumer indirect&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;636,357&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,316&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;661,673&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20,915&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;197&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;21,112&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,881,071&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;30,931&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,912,002&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Allowance for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(27,637&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total loans, net&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,884,365&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock>
  <us-gaap:ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="52%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="11%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="52%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Securities&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="52%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Available for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Pension and&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Accumulated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="52%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Sale and&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Post&lt;/font&gt;&lt;/b&gt;-&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="52%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Transferred&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;retirement&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Comprehensive&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="52%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Securities&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Obligations&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Income (Loss)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Balance at January 1, 2015&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,625&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(10,636&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(9,011&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other comprehensive income (loss) before reclassifications&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(938&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(545&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,483&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amounts reclassified from accumulated other comprehensive income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,383&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;550&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(833&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net current period other comprehensive (loss) income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,321&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,316&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Balance at December 31, 2015&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(696&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(10,631&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(11,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td bgcolor="#c6d9f1" width="99%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td bgcolor="#c6d9f1" width="99%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Balance at January 1, 2014&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(5,337&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(4,850&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(10,187&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other comprehensive income (loss) before reclassifications&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,459&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(5,863&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,596&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amounts reclassified from accumulated other comprehensive income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,497&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;77&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,420&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net current period other comprehensive (loss) income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,962&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(5,786&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,176&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Balance at December 31, 2014&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,625&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(10,636&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(9,011&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td bgcolor="#c6d9f1" width="99%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td bgcolor="#c6d9f1" width="99%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Balance at January 1, 2013&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;16,060&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="1%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(12,807&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,253&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other comprehensive income (loss) before reclassifications&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(20,613&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,162&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(13,451&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amounts reclassified from accumulated other comprehensive income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(784&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;795&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net current period other comprehensive income (loss)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(21,397&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,957&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(13,440&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Balance at December 31, 2013&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(5,337&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="11%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(4,850&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(10,187&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock>
  <us-gaap:ScheduleOfAllocationOfPlanAssetsTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="40%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Level 1&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Level 2&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Level 3&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash equivalents:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Foreign currencies&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;35&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;35&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Short term investment funds&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,745&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,745&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 7px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total cash equivalents&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;35&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,745&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,780&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Equity securities:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Common stock&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,083&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,083&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Depository receipts&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;336&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;336&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commingled pension trust funds&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,557&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,557&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Exchange traded funds&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,190&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,190&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 7px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total equity securities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;23,609&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,557&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;34,166&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fixed income securities:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collateralized mortgage obligations&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;608&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;608&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commingled pension trust funds&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17,889&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17,889&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Corporate bonds&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,440&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,440&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;FHLMC&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;276&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;276&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;FNMA&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,966&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,966&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;GNMA II&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;384&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;384&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government issues&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,180&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,180&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total fixed income securities&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;31,743&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;31,743&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other investments:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commingled pension trust funds &amp;#8211; Realty&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,670&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,670&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total Plan investments&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;23,644&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;46,045&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,670&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;72,359&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="38%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Level 1&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Level 2&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Level 3&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash equivalents:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Foreign currencies&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;31&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;31&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government issues&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;249&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;249&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Short term investment funds&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,327&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,327&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 7px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total cash equivalents&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;31&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,576&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,607&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Equity securities:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Common stock&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,732&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,732&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Depository receipts&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;185&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;185&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commingled pension trust funds&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,802&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,802&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Exchange traded funds&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,573&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,573&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Preferred stock&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;140&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;140&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 7px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total equity securities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,630&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,802&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;36,432&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fixed income securities:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Auto loan receivable&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;330&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;330&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collateralized mortgage obligations&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;682&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;682&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commingled pension trust funds&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;21,083&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;21,083&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Corporate bonds&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,971&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,971&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;FHLMC&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;73&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;73&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;FNMA&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,951&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,951&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;GNMA II&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;123&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;123&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government issues&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,139&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,139&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other asset backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;160&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;160&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;33&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;33&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 7px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total fixed income securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;32,545&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;32,545&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total Plan investments&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,661&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;49,923&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;75,584&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfAllocationOfPlanAssetsTableTextBlock>
  <us-gaap:ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="55%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="26%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Defined benefit plan:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net actuarial loss&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(17,715&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(17,747&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Prior service cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(32&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(52&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(17,747&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(17,799&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Postretirement benefit plan:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net actuarial loss&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(162&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(186&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Prior service credit&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;304&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;372&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;142&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;186&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(17,605&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(17,613&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Deferred tax benefit&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,974&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,977&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amounts included in accumulated other comprehensive loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(10,631&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(10,636&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock>
  <us-gaap:ScheduleOfAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="52%"&gt; &lt;/td&gt;
&lt;td width="25%"&gt; &lt;/td&gt;
&lt;td width="4%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" align="left"&gt;&lt;b&gt; &lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Defined benefit plan:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net actuarial (loss) gain&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(894&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(9,669&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization of net loss&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;926&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;159&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization of prior service cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;52&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(9,490&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Postretirement benefit plan:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net actuarial (loss) gain&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(40&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization of net loss&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization of prior service credit&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(68&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(68&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(44&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(91&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total recognized in other comprehensive income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(9,581&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock>
  <us-gaap:ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="31%"&gt; &lt;/td&gt;
&lt;td width="32%"&gt; &lt;/td&gt;
&lt;td width="32%"&gt; &lt;/td&gt;
&lt;td width="4%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="31%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Stock options&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="32%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="32%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&amp;nbsp;3&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="4%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;122&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="31%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Restricted stock awards&lt;/font&gt;&lt;/td&gt;
&lt;td width="32%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="32%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&amp;nbsp;1&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="4%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="31%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="32%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="32%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;&amp;nbsp;4&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="4%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;124&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTextBlock>
  <us-gaap:ScheduleOfAssumptionsUsedTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The actuarial assumptions used to determine the net periodic pension cost were as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="42%"&gt; &lt;/td&gt;
&lt;td width="28%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Weighted average discount rate&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.86&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.80&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.84&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Rate of compensation increase&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Expected long-term rate of return&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6.50&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6.50&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6.50&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The actuarial assumptions used to determine the projected benefit obligation were as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="41%"&gt; &lt;/td&gt;
&lt;td width="28%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Weighted average discount rate&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.21&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.86&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.80&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Rate of compensation increase&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfAssumptionsUsedTableTextBlock>
  <us-gaap:ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="52%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="29%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Change in projected benefit obligation:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Projected benefit obligation at beginning of period&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;61,732&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48,991&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Service cost&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,324&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,918&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Interest cost&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,328&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,291&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Actuarial (gain) loss&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(4,406&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,938&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Benefits paid and plan expenses&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,746&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,406&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 8px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Projected benefit obligation at end of period&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;59,232&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;61,732&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Change in plan assets:&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fair value of plan assets at beginning of period&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;75,584&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;64,603&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Actual return on plan assets&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(480&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,387&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Employer contributions&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,000&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Benefits paid and plan expenses&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,746&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,406&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 8px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fair value of plan assets at end of period&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;72,358&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;75,584&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Funded status at end of period&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,126&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,852&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock>
  <us-gaap:ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="51%"&gt; &lt;/td&gt;
&lt;td style="width: 15%; border-bottom: rgb(0,0,0) 1px solid;" width="15%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td style="width: 15%; border-bottom: rgb(0,0,0) 1px solid;" width="14%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 15%; border-bottom: rgb(0,0,0) 1px solid;" width="14%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash payments:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,323&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,826&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,750&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,494&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,665&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,095&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Noncash investing and financing activities:&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Real estate and other assets acquired in settlement of loans&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;374&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;394&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;726&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Accrued and declared unpaid dividends&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,185&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,177&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,981&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(Decrease) increase in net unsettled security purchases&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(478&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;568&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(51,112&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Securities transferred from available for sale to held to maturity&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;165,238&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,802&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;227,330&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans transferred from held for sale to held for investment&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;853&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,727&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Common stock issued for acquisition&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,400&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Assets acquired and liabilities assumed in business combinations:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loans and other non-cash assets, excluding goodwill and core&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;deposit intangible asset&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,007&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Deposits and other liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,112&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock>
  <us-gaap:ScheduleOfChangesInFairValueOfPlanAssetsTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="55%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="42%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 3 assets, beginning of year&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Purchases&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,334&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Unrealized gains&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;336&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Level 3 assets, end of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,670&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfChangesInFairValueOfPlanAssetsTableTextBlock>
  <us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div class="MetaData"&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="16%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="6%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="2" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Minimum Capital&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="2" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Minimum Capital&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 5px;" colspan="2" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Required to be&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Required &amp;#8211; Basel III&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Required &amp;#8211; Basel III&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Considered Well&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Actual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Phase-in Schedule&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fully Phased-in&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Capitalized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Tier 1 leverage:&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Company&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;243,452&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7.41&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;131,506&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;131,506&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;164,382&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Bank&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;265,487&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8.09&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;131,188&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;131,188&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;163,985&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;CET1 capital:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Company&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;226,413&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9.77&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;104,334&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.50&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;162,297&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;150,705&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6.50&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Bank&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;265,487&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11.49&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;103,971&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.50&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;161,733&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;150,180&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6.50&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Tier 1 capital:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Company&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;243,452&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10.50&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;139,112&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;197,076&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8.50&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;185,483&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Bank&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;265,487&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11.49&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;138,628&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;196,389&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8.50&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;184,837&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total&amp;nbsp;capital:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Company&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;309,527&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13.35&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;185,483&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;243,446&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10.50&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;231,854&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Bank&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;292,572&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12.66&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;184,837&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;242,599&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10.50&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;231,046&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company's and the Bank's actual and required regulatory capital ratios of December 31, 2014 under the regulatory capital rules then in effect were as follows (in thousands):&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="6%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="6%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Minimum Required&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 4px;" colspan="2" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Required to be&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;for Capital&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="2" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Considered Well&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Actual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Adequacy Purposes&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Capitalized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Tier 1 leverage:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Company&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;219,904&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7.35&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;119,722&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;149,653&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Bank&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;215,672&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7.21&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;119,671&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;149,588&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Tier 1 capital:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Company&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;219,904&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10.47&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;83,985&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;125,977&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Bank&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;215,672&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10.28&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;83,889&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;125,834&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total risk-based capital:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Company&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;246,166&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11.72&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;167,970&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;209,962&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Bank&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;241,905&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11.53&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;167,779&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;209,723&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10.00&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
  <us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="40%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="30%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Current tax expense (benefit):&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,720&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,546&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,917&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;State&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;21&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(75&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,913&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total current tax expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,741&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,471&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,830&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Deferred tax expense (benefit):&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,440&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,538&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,251&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;State&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;358&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(384&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;296&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total deferred tax expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,798&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,154&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,547&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total income tax expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,539&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,625&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,377&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock>
  <us-gaap:ScheduleOfComprehensiveIncomeLossTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="56%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="14%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;b&gt; &lt;/b&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Pre&lt;/font&gt;&lt;/b&gt;-tax&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Net&lt;/font&gt;&lt;/b&gt;-of-tax&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Tax Effect&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Securities available for sale and transferred securities:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Change in unrealized gain/loss during the period&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,529&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(591&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(938&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Reclassification adjustment for net gains included in net income&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,251&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(868&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,383&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 7px;" bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total securities available for sale and transferred securities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3,780&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,459&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,321&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Pension and post-retirement obligations:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net actuarial gains (losses) arising during the year&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(887&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(342&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(545&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization of net actuarial loss and prior service cost included in income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;895&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;345&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;550&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 7px;" bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total pension and post-retirement obligations&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other comprehensive loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3,772&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,456&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,316&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="99%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="56%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Securities available for sale and transferred securities:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Change in unrealized gain/loss during the period&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,008&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,549&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,459&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Reclassification adjustment for net gains included in net income&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,478&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(981&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,497&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total securities available for sale and transferred securities&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11,530&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,568&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,962&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Pension and post-retirement obligations:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net actuarial gains (losses) arising during the year&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(9,709&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3,846&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(5,863&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization of net actuarial loss and prior service cost included in income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;128&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;51&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;77&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total pension and post-retirement obligations&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(9,581&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3,795&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(5,786&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other comprehensive income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,949&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;773&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,176&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td bgcolor="#c6d9f1" width="99%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Securities available for sale and transferred securities:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Change in unrealized gain/loss during the period&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(34,135&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(13,522&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(20,613&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Reclassification adjustment for net gains included in net income&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,298&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(514&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(784&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total securities available for sale and transferred securities&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(35,433&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(14,036&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(21,397&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Pension and post-retirement obligations:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net actuarial gains (losses) arising during the year&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11,860&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,698&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,162&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization of net actuarial loss and prior service cost included in income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,316&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;521&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;795&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total pension and post-retirement obligations&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,176&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,219&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,957&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="56%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other comprehensive loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="14%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(22,257&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(8,817&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(13,440&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="1"&gt;(1) &lt;/font&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Includes amounts related to the amortization/accretion of unrealized net gains and losses related to the Company's reclassification of available for sale investment securities to the held to maturity category. The unrealized net gains/losses will be amortized/accreted over the remaining life of the investment securities as an adjustment of yield.&lt;/font&gt;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfComprehensiveIncomeLossTableTextBlock>
  <us-gaap:ScheduleOfCondensedBalanceSheetTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="58%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="28%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Condensed Statements of Condition&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="3" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Assets:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash and due from subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;15,787&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,559&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Investment in and receivables due from subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;318,928&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;273,237&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,451&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,433&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;339,166&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;286,229&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Liabilities and shareholders' equity:&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Long-term borrowings, net of issuance costs of $&lt;font class="_mt"&gt;1,010&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;38,990&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,332&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,697&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Shareholders' equity&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;293,844&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;279,532&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total liabilities and shareholders' equity&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;339,166&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;286,229&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfCondensedBalanceSheetTableTextBlock>
  <us-gaap:ScheduleOfCondensedCashFlowStatementTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="48%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="18%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Condensed Statements of Cash Flows&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="7" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Years ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash flows from operating activities:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;28,337&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;29,355&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,530&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Adjustments to reconcile net income to net cash provided&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;by operating activities:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Equity in undistributed earnings of subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(14,008&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(10,261&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(11,977&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Depreciation and amortization&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;97&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;47&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Share-based compensation&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;674&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;471&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;407&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(Increase) decrease in other assets&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,069&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,661&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;166&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 6px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Decrease in other liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(258&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(5,717&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(17&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net cash provided by operating activities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,773&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19,557&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,156&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash flows from investing activities:&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Capital investment in Five Star Bank&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(34,000&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net cash paid for acquisition&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(7,995&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net cash used in investing activities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(34,000&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(7,995&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash flows from financing activities:&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Issuance of long-term debt, net of issuance costs&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;38,940&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Purchase of preferred and common shares&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(202&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(196&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(360&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Proceeds from stock options exercised&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;359&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;667&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;448&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Dividends paid&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(12,721&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(11,984&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(11,218&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;79&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(118&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 10px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net cash provided by (used in) financing activities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;26,455&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(11,513&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(11,248&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net increase&amp;nbsp;in cash and cash equivalents&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,228&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;49&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,908&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash and cash equivalents as of beginning of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,559&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,510&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,602&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash and cash equivalents as of end of the year&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;15,787&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,559&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,510&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfCondensedCashFlowStatementTableTextBlock>
  <us-gaap:ScheduleOfCondensedIncomeStatementTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="54%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="19%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="11%"&gt; &lt;/td&gt;
&lt;td width="4%"&gt; &lt;/td&gt;
&lt;td width="4%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Condensed Statements of Income&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="4" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Years ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" colspan="2" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Dividends from subsidiary and associated companies&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;16,000&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20,920&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;15,000&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Management and service fees from subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;599&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;417&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;368&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,175&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;74&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;71&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total income&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17,774&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;21,411&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;15,439&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,750&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Operating expenses&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,509&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,437&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,906&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total expense&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,259&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,437&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,906&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income before income tax benefit and equity in undistributed&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;earnings of subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,515&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17,974&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,533&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income tax benefit&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,814&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,120&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,020&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income before equity in undistributed earnings of subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,329&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19,094&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,553&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Equity in undistributed earnings of subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,008&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,261&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11,977&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;28,337&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;29,355&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,530&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfCondensedIncomeStatementTableTextBlock>
  <us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="58%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="27%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Deferred tax assets:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Allowance for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,452&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,666&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Deferred compensation&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;972&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;938&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Investment in limited partnerships&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;954&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;953&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;SERP agreements&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;767&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;704&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Interest on nonaccrual loans&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;615&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;664&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Benefit of tax credit carryforwards&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;502&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;569&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Share-based compensation&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;538&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;565&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net unrealized loss on securities available for sale&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;420&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other than temporary impairment of investment securities&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,917&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;328&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;520&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Gross deferred tax assets&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;15,548&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17,496&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Deferred tax liabilities:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Prepaid pension costs&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,065&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,346&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Intangible assets&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,667&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,662&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Depreciation and amortization&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,004&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,249&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net unrealized gain on securities available for sale&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,039&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Loan servicing assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;479&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;525&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Gross deferred tax liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,215&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;10,821&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net deferred tax asset&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,333&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,675&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock>
  <us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="60%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="60%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="60%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net income available to common shareholders for EPS&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="5%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;26,875&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;27,893&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;24,064&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="60%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Weighted average common shares outstanding:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="60%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total shares issued&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="5%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,398&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,261&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,162&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="60%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Unvested restricted stock awards&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(93&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(64&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(69&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="60%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Treasury shares&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="5%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(224&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(304&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(354&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" width="60%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total basic weighted average common shares outstanding&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,081&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,893&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,739&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="60%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Incremental shares from assumed:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 9px;" width="60%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Exercise of stock options&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;24&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;26&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 9px;" bgcolor="#c6d9f1" width="60%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Vesting of restricted stock awards&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="5%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;30&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;27&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;32&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" width="60%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total diluted weighted average common shares outstanding&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,135&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,946&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,784&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="99%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="60%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Basic earnings per common share&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1.91&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2.01&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1.75&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="60%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Diluted earnings per common share&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="5%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1.90&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2.00&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1.75&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock>
  <us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="50%"&gt; &lt;/td&gt;
&lt;td width="20%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Statutory federal tax rate&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;35.0&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;35.0&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;35.0&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Increase (decrease) resulting from:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Tax exempt interest income&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(6.1&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(5.1&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(4.8&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Tax credits and adjustments&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(0.7&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3.5&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Non-taxable earnings on company owned life insurance&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1.8&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1.6&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1.6&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;State taxes, net of federal tax benefit&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;0.7&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(0.8&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3.8&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Nondeductible expenses&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;0.3&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;0.5&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;0.2&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Goodwill and contingent consideration adjustments&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(0.3&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other, net&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;0.2&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;0.1&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Effective tax rate&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;27.1&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;24.7&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;32.7&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock>
  <us-gaap:ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="52%"&gt; &lt;/td&gt;
&lt;td width="28%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="4%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="52%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 6px;" width="28%" align="left"&gt;&lt;b&gt; &lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="4%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Salaries and employee benefits&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="28%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="5%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;431&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="5%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;270&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="4%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;236&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other noninterest expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="28%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;243&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;201&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="4%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;171&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="52%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total share-based compensation expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="28%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="5%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;674&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="5%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;471&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="4%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;407&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTextBlock>
  <us-gaap:ScheduleOfExpectedBenefitPaymentsTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="48%"&gt; &lt;/td&gt;
&lt;td width="35%"&gt; &lt;/td&gt;
&lt;td width="16%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2016&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,127&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2017&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,288&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2018&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,346&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2019&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,472&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2020&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,666&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2021 - 2025&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;15,627&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfExpectedBenefitPaymentsTableTextBlock>
  <us-gaap:ScheduleOfFairValueOffBalanceSheetRisksTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="49%"&gt; &lt;/td&gt;
&lt;td width="23%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="4%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commitments to extend credit&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;514,818&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;450,343&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Standby letters of credit&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11,746&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,578&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfFairValueOffBalanceSheetRisksTextBlock>
  <us-gaap:ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="42%"&gt; &lt;/td&gt;
&lt;td width="43%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2016&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;864&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2017&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;778&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2018&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;689&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2019&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;611&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2020&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;533&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock>
  <us-gaap:ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="44%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="31%" align="right"&gt; &lt;/td&gt;
&lt;td width="4%" align="right"&gt; &lt;/td&gt;
&lt;td width="2%" align="right"&gt; &lt;/td&gt;
&lt;td width="3%" align="right"&gt; &lt;/td&gt;
&lt;td width="8%" align="right"&gt; &lt;/td&gt;
&lt;td width="2%" align="right"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Core deposit intangibles:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Gross carrying amount&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,042&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,042&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Accumulated amortization&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" colspan="2" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,213&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(917&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net book value&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;829&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,125&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization during the year&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;296&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;341&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td bgcolor="#c6d9f1" colspan="8"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Other intangibles:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Gross carrying amount&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,640&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,640&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Accumulated amortization&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" colspan="2" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(925&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(279&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net book value&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" colspan="2" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,715&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,361&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization during the year&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;646&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;279&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock>
  <us-gaap:ScheduleOfGoodwillTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="38%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="29%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Banking&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Insurance&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Balance, January 1, 2014&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48,536&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48,536&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Acquisition&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,617&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,617&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Balance, December 31, 2014&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48,536&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,617&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;61,153&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Impairment&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(751&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(751&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Balance, December 31, 2015&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48,536&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11,866&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;60,402&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfGoodwillTextBlock>
  <us-gaap:ScheduleOfNetBenefitCostsTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="43%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="23%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2013&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Service cost&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,324&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,918&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,063&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Interest cost on projected benefit obligation&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,328&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,291&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,017&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Expected return on plan assets&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(4,820&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(4,117&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3,684&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization of unrecognized loss&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;926&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;159&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,344&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Amortization of unrecognized prior service cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net periodic pension cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;778&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;271&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,760&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfNetBenefitCostsTableTextBlock>
  <us-gaap:ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_BusinessAcquisitionAxis_fisi_ScottDanahyNaylonCo.Inc.Member">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="75%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Consideration paid:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,100&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Stock&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,400&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Contingent consideration&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,227&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fair value of total consideration transferred&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;16,727&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td bgcolor="#c6d9f1" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fair value of assets acquired:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Cash&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;105&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Identified intangible assets&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,640&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Premises and equipment, accounts receivable and other assets&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,094&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total identifiable assets acquired&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,839&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fair value of liabilities assumed:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Deferred tax liability&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,556&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,173&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total liabilities assumed&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,729&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Fair value of net assets acquired&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,110&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Goodwill resulting from acquisition&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,617&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock>
  <us-gaap:ScheduleOfShareBasedCompensationRestrictedStockUnitsAwardActivityTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="50%"&gt; &lt;/td&gt;
&lt;td width="29%"&gt; &lt;/td&gt;
&lt;td width="4%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Market&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Number of&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Price at&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Grant Date&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Outstanding at beginning of year&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;59,113&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17.24&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Granted&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;59,834&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17.66&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Vested&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(32,549&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17.80&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Forfeited&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3,490&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19.32&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Outstanding at end of period&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;82,908&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17.23&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfShareBasedCompensationRestrictedStockUnitsAwardActivityTableTextBlock>
  <us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="43%"&gt; &lt;/td&gt;
&lt;td width="16%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Remaining&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Aggregate&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Number of&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Exercise&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Contractual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Intrinsic&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Options&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Price&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Term&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Outstanding at beginning of year&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;135,416&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19.25&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Granted&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Exercised&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(18,922&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18.99&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Forfeited&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Expired&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(14,245&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19.87&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Outstanding and exercisable at end of period&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;102,249&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19.21&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1.3 years&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;899&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock>
  <us-gaap:ScheduleOfShortTermDebtTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="47%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="37%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Short-term borrowings:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Short-term FHLB borrowings&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;293,100&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;295,300&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Repurchase agreements&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;39,504&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total short-term borrowings&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;293,100&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;334,804&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Long-term borrowings:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Subordinated notes, net&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;38,990&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total borrowings&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;332,090&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;334,804&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfShortTermDebtTextBlock>
  <us-gaap:ScheduleOfStockByClassTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="46%"&gt; &lt;/td&gt;
&lt;td width="28%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Outstanding&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Treasury&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Issued&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Shares outstanding at beginning of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,118,048&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;279,461&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,397,509&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Restricted stock awards issued&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;59,834&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(59,834&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Restricted stock awards forfeited&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3,490&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,490&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Stock options exercised&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,922&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(18,922&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Treasury stock purchases&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(7,523&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,523&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Stock awards&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,401&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(4,401&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Shares outstanding at end of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,190,192&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;207,317&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,397,509&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="6"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Shares outstanding at beginning of year&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,829,355&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;332,242&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,161,597&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Shares issued for the SDN acquisition&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;235,912&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;235,912&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Restricted stock awards issued&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;43,242&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(43,242&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Restricted stock awards forfeited&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(15,441&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;15,441&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Stock options exercised&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;34,082&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(34,082&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Treasury stock purchases&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(9,102&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,102&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Shares outstanding at end of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,118,048&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;279,461&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,397,509&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfStockByClassTextBlock>
  <us-gaap:ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="34%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="34%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="21%" colspan="3" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Less than 12 months&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="20%" colspan="3" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;12 months or longer&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="18%" colspan="3" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="34%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 4px;" width="9%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 4px;" width="9%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="9%" align="center"&gt;&amp;nbsp;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 3px;" width="9%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="34%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" width="9%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="9%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;December 31, 2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Securities available for sale:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;U.S. Government agencies and government&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;sponsored enterprises&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;82,298&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;735&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;26,302&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;314&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;108,600&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,049&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage-backed securities:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;123,774&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,134&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,562&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;199&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;133,336&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,333&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal Home Loan Mortgage Corporation&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,660&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;194&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,660&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;194&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,405&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,405&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collateralized mortgage obligations:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,778&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;154&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,778&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;154&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 5px;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal Home Loan Mortgage Corporation&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,998&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;91&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,998&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;91&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="34%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;150,615&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,577&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,562&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;199&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;160,177&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,776&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="34%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total available for sale securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;232,913&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,312&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;35,864&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;513&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;268,777&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,825&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Securities held to maturity:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,075&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,075&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage-backed securities:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,666&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;79&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,666&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;79&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,790&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;159&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8,790&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;159&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collateralized mortgage obligations:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;55,973&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;818&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;55,973&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;818&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal Home Loan Mortgage Corporation&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;79,323&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,120&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;79,323&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,120&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,559&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;101&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,559&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;101&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="34%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;164,311&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,277&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;164,311&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,277&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="34%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total held to maturity securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;167,386&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,281&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;167,386&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,281&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total temporarily impaired securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;400,299&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,593&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;35,864&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;513&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;436,163&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,106&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="100%" colspan="13"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;December 31, 2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Securities available for sale:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;U.S. Government agencies and government&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;sponsored enterprises&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;34,995&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;77&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;41,070&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;898&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;76,065&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;975&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage-backed securities:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,242&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;8&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;62,592&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,256&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;64,834&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,264&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal Home Loan Mortgage Corporation&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,387&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,387&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collateralized mortgage obligations:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11,228&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;24&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,644&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;920&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;36,872&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;944&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal Home Loan Mortgage Corporation&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;76,126&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,585&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;76,126&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,585&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 5px;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,510&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;40&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,510&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;40&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="34%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;16,857&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;39&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;166,872&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,801&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;183,729&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,840&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="center"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total available for sale securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;51,852&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;116&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;207,942&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,699&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;259,794&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,815&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Securities held to maturity:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,036&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;120&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,036&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;120&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="34%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total temporarily impaired securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;69,888&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;236&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;207,942&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,699&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;277,830&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,935&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock>
  <us-gaap:SegmentReportingDisclosureTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(20.) SEGMENT REPORTING&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company has&amp;nbsp;&lt;font class="_mt"&gt;two&lt;/font&gt; reportable operating segments, banking and insurance, which are delineated by the consolidated subsidiaries of Financial Institutions, Inc. The banking segment includes all of the Company's retail and commercial banking operations. The insurance segment includes the activities of SDN, a full service insurance agency that provides a broad range of insurance services to both personal and business clients. The Company operated as one business segment until the acquisition of SDN on August 1, 2014, at which time the new "Insurance" segment was created for financial reporting purposes. Holding company amounts are the primary differences between segment amounts and consolidated totals, and are reflected in the Holding Company and Other column below, along with amounts to eliminate balances and transactions between segments.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The following tables present information regarding the Company's business segments as of and for the periods indicated (in thousands).&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="33%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="27%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;b&gt; &lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Holding&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;b&gt; &lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Company and&lt;/font&gt;&lt;/b&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Consolidated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="27%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Banking&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Insurance&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="center"&gt;&lt;b&gt; &lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Totals&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="33%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;December 31, 2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="33%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Goodwill&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="27%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48,536&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;11,866&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;60,402&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="33%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other intangible assets, net&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="27%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;829&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,715&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,544&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="33%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="27%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,356,987&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20,315&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt; &lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,722&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,381,024&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="100%" colspan="9"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="33%" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;December 31, 2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="33%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Goodwill&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="27%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48,536&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;12,617&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;61,153&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="33%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Other intangible assets, net&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="27%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,125&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,361&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,486&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" width="33%" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total assets&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="27%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,065,109&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;20,368&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="10%" align="right"&gt; &lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,044&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" width="12%" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,089,521&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="33%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Holding&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Company and&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Consolidated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Banking&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Insurance&lt;/font&gt;&lt;/b&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Totals&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Year ended December 31, 2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net interest income (expense)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;97,063&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,750&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;95,313&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Provision for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(7,381&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(7,381&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Noninterest income&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;24,734&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,969&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;634&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;30,337&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Noninterest expense&amp;nbsp;&lt;/font&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(71,599&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(5,426&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,368&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(79,393&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income (loss) before income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;42,817&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(457&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3,484&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;38,876&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income tax (expense) benefit&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(12,230&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(121&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,812&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(10,539&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net income (loss)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;30,587&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(578&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,672&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;28,337&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="13"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Year ended December 31, 2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net interest income&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;93,774&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;93,774&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Provision for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(7,789&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(7,789&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Noninterest income&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;23,602&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,073&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(325&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,350&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Noninterest expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(67,857&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,877&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,621&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(72,355&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income (loss) before income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;41,730&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;196&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2,946&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;38,980&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Income tax (expense) benefit&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(10,735&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(9&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,119&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(9,625&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="13"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Net income (loss)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;30,995&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;187&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1,827&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;29,355&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(1) &lt;/font&gt;&lt;/sup&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Reflects activity from SDN since August 1, 2014, the date of acquisition.&lt;/font&gt;&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;sup&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(2) &lt;/font&gt;&lt;/sup&gt;&lt;font class="_mt"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Insurance segment includes goodwill impairment of $&lt;font class="_mt"&gt;751&lt;/font&gt; thousand&lt;/font&gt;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:SegmentReportingDisclosureTextBlock>
  <us-gaap:ServicingAssetAtFairValueAdditions contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">277000</us-gaap:ServicingAssetAtFairValueAdditions>
  <us-gaap:ServicingAssetAtFairValueAdditions contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">172000</us-gaap:ServicingAssetAtFairValueAdditions>
  <us-gaap:ServicingAssetAtFairValueAdditions contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">166000</us-gaap:ServicingAssetAtFairValueAdditions>
  <us-gaap:ServicingFeesNet contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">570000</us-gaap:ServicingFeesNet>
  <us-gaap:ServicingFeesNet contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">568000</us-gaap:ServicingFeesNet>
  <us-gaap:ServicingFeesNet contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">503000</us-gaap:ServicingFeesNet>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">407000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_IncomeStatementLocationAxis_fisi_OtherNoninterestExpensesMember" unitRef="Unit12" decimals="-3">171000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_IncomeStatementLocationAxis_fisi_SalariesAndEmployeeBenefitsMember" unitRef="Unit12" decimals="-3">236000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_StatementEquityComponentsAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">407000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2013_To_12_31_2013_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">407000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">471000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_IncomeStatementLocationAxis_fisi_OtherNoninterestExpensesMember" unitRef="Unit12" decimals="-3">201000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_IncomeStatementLocationAxis_fisi_SalariesAndEmployeeBenefitsMember" unitRef="Unit12" decimals="-3">270000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2014_To_12_31_2014_us-gaap_StatementEquityComponentsAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">471000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2014_To_12_31_2014_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">471000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">674000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_IncomeStatementLocationAxis_fisi_OtherNoninterestExpensesMember" unitRef="Unit12" decimals="-3">243000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_IncomeStatementLocationAxis_fisi_SalariesAndEmployeeBenefitsMember" unitRef="Unit12" decimals="-3">431000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementEquityComponentsAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">674000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2015_To_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">674000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1 contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_AwardTypeAxis_us-gaap_RestrictedStockMember_us-gaap_PlanNameAxis_fisi_DirectorStockIncentivePlanMember">P1Y</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_RangeAxis_us-gaap_MaximumMember">P5Y</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_RangeAxis_us-gaap_MinimumMember">P3Y</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_AwardTypeAxis_us-gaap_RestrictedStockMember_us-gaap_PlanNameAxis_fisi_ManagementStockIncentivePlanMember">P3Y</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_AwardTypeAxis_us-gaap_RestrictedStockMember_us-gaap_StatementScenarioAxis_fisi_RelativeTotalShareholderReturnPerformanceRequirementMember">P3Y</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_AwardTypeAxis_us-gaap_RestrictedStockMember_us-gaap_RangeAxis_us-gaap_MaximumMember">P3Y</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_AwardTypeAxis_us-gaap_RestrictedStockMember_us-gaap_RangeAxis_us-gaap_MinimumMember">P2Y</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
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  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_AwardTypeAxis_us-gaap_RestrictedStockMember" unitRef="Unit16" decimals="2">17.66</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue>
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  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_AwardTypeAxis_us-gaap_RestrictedStockMember_us-gaap_PlanNameAxis_fisi_ManagementStockIncentivePlanMember" unitRef="Unit16" decimals="INF">22.79</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue>
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  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue contextRef="As_Of_12_31_2015_us-gaap_AwardTypeAxis_us-gaap_RestrictedStockMember" unitRef="Unit16" decimals="2">17.23</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue>
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  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_AwardTypeAxis_us-gaap_RestrictedStockMember" unitRef="Unit16" decimals="2">17.80</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue>
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  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementScenarioAxis_fisi_RelativeTotalShareholderReturnPerformanceRequirementMember" unitRef="Unit14" decimals="4">0.2680</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate>
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  <us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1 contextRef="Duration_1_1_2015_To_12_31_2015">P1Y3M18D</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1>
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  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit12" decimals="-3">161000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">106000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit1" decimals="0">14245</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod>
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  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber contextRef="As_Of_12_31_2014" unitRef="Unit1" decimals="0">135416</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice contextRef="As_Of_12_31_2014" unitRef="Unit16" decimals="2">19.25</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit16" decimals="2">18.99</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit16" decimals="2">19.87</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice xsi:nil="true" contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit16" />
  <us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice xsi:nil="true" contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit16" />
  <us-gaap:ShareBasedCompensationOptionAndIncentivePlansPolicy contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(q.) Share-Based Compensation Plans&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Compensation expense for stock options and restricted stock awards is based on the fair value of the award on the measurement date, which, for the Company, is the date of grant and is recognized ratably over the service period of the award. The fair value of stock options is estimated using the Black-Scholes option-pricing model. The fair value of restricted stock awards is generally the market price of the Company's stock on the date of grant.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Share-based compensation expense is included in the consolidated statements of income under salaries and employee benefits for awards granted to management and in other noninterest expense for awards granted to directors.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ShareBasedCompensationOptionAndIncentivePlansPolicy>
  <us-gaap:ShortTermBorrowings contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">334804000</us-gaap:ShortTermBorrowings>
  <us-gaap:ShortTermBorrowings contextRef="As_Of_12_31_2014_us-gaap_ShortTermDebtTypeAxis_fisi_FederalHomeLoanBankOvernightBorrowingsMember" unitRef="Unit12" decimals="-5">129000000</us-gaap:ShortTermBorrowings>
  <us-gaap:ShortTermBorrowings contextRef="As_Of_12_31_2014_us-gaap_ShortTermDebtTypeAxis_fisi_FederalHomeLoanBorrowingsShortTermAdvancesMember" unitRef="Unit12" decimals="-5">166300000</us-gaap:ShortTermBorrowings>
  <us-gaap:ShortTermBorrowings contextRef="As_Of_12_31_2014_us-gaap_ShortTermDebtTypeAxis_us-gaap_FederalHomeLoanBankAdvancesMember" unitRef="Unit12" decimals="-3">295300000</us-gaap:ShortTermBorrowings>
  <us-gaap:ShortTermBorrowings contextRef="As_Of_12_31_2014_us-gaap_ShortTermDebtTypeAxis_us-gaap_RepurchaseAgreementsMember" unitRef="Unit12" decimals="-3">39504000</us-gaap:ShortTermBorrowings>
  <us-gaap:ShortTermBorrowings contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">293100000</us-gaap:ShortTermBorrowings>
  <us-gaap:ShortTermBorrowings contextRef="As_Of_12_31_2015_us-gaap_ShortTermDebtTypeAxis_fisi_FederalHomeLoanBankOvernightBorrowingsMember" unitRef="Unit12" decimals="-5">116800000</us-gaap:ShortTermBorrowings>
  <us-gaap:ShortTermBorrowings contextRef="As_Of_12_31_2015_us-gaap_ShortTermDebtTypeAxis_fisi_FederalHomeLoanBorrowingsShortTermAdvancesMember" unitRef="Unit12" decimals="-5">176300000</us-gaap:ShortTermBorrowings>
  <us-gaap:ShortTermBorrowings contextRef="As_Of_12_31_2015_us-gaap_ShortTermDebtTypeAxis_us-gaap_FederalHomeLoanBankAdvancesMember" unitRef="Unit12" decimals="-3">293100000</us-gaap:ShortTermBorrowings>
  <us-gaap:ShorttermDebtFairValue contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="Unit12" decimals="-3">334804000</us-gaap:ShorttermDebtFairValue>
  <us-gaap:ShorttermDebtFairValue contextRef="As_Of_12_31_2014_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="Unit12" decimals="-3">334804000</us-gaap:ShorttermDebtFairValue>
  <us-gaap:ShorttermDebtFairValue contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="Unit12" decimals="-3">293100000</us-gaap:ShorttermDebtFairValue>
  <us-gaap:ShorttermDebtFairValue contextRef="As_Of_12_31_2015_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="Unit12" decimals="-3">293100000</us-gaap:ShorttermDebtFairValue>
  <us-gaap:ShortTermDebtWeightedAverageInterestRate contextRef="As_Of_12_31_2014" unitRef="Unit14" decimals="4">0.0035</us-gaap:ShortTermDebtWeightedAverageInterestRate>
  <us-gaap:ShortTermDebtWeightedAverageInterestRate contextRef="As_Of_12_31_2015" unitRef="Unit14" decimals="4">0.0053</us-gaap:ShortTermDebtWeightedAverageInterestRate>
  <us-gaap:StockGrantedDuringPeriodValueSharebasedCompensation contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit12" decimals="-3">112000</us-gaap:StockGrantedDuringPeriodValueSharebasedCompensation>
  <us-gaap:StockGrantedDuringPeriodValueSharebasedCompensation contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_StatementEquityComponentsAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">7000</us-gaap:StockGrantedDuringPeriodValueSharebasedCompensation>
  <us-gaap:StockGrantedDuringPeriodValueSharebasedCompensation contextRef="Duration_1_1_2013_To_12_31_2013_us-gaap_StatementEquityComponentsAxis_us-gaap_TreasuryStockMember" unitRef="Unit12" decimals="-3">105000</us-gaap:StockGrantedDuringPeriodValueSharebasedCompensation>
  <us-gaap:StockGrantedDuringPeriodValueSharebasedCompensation contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit12" decimals="-3">110000</us-gaap:StockGrantedDuringPeriodValueSharebasedCompensation>
  <us-gaap:StockGrantedDuringPeriodValueSharebasedCompensation contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementEquityComponentsAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">28000</us-gaap:StockGrantedDuringPeriodValueSharebasedCompensation>
  <us-gaap:StockGrantedDuringPeriodValueSharebasedCompensation contextRef="Duration_1_1_2015_To_12_31_2015_us-gaap_StatementEquityComponentsAxis_us-gaap_TreasuryStockMember" unitRef="Unit12" decimals="-3">82000</us-gaap:StockGrantedDuringPeriodValueSharebasedCompensation>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2012" unitRef="Unit12" decimals="-3">253897000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2012_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="Unit12" decimals="-3">3253000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2012_us-gaap_StatementEquityComponentsAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">67710000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2012_us-gaap_StatementEquityComponentsAxis_us-gaap_CommonStockMember" unitRef="Unit12" decimals="-3">142000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2012_us-gaap_StatementEquityComponentsAxis_us-gaap_PreferredStockMember" unitRef="Unit12" decimals="-3">17471000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2012_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">172244000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2012_us-gaap_StatementEquityComponentsAxis_us-gaap_TreasuryStockMember" unitRef="Unit12" decimals="-3">-6923000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2013" unitRef="Unit12" decimals="-3">254839000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2013_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="Unit12" decimals="-3">-10187000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2013_us-gaap_StatementEquityComponentsAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">67574000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2013_us-gaap_StatementEquityComponentsAxis_us-gaap_CommonStockMember" unitRef="Unit12" decimals="-3">142000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2013_us-gaap_StatementEquityComponentsAxis_us-gaap_PreferredStockMember" unitRef="Unit12" decimals="-3">17342000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2013_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">186137000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2013_us-gaap_StatementEquityComponentsAxis_us-gaap_TreasuryStockMember" unitRef="Unit12" decimals="-3">-6169000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">279532000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2014_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="Unit12" decimals="-3">-9011000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2014_us-gaap_StatementEquityComponentsAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">72955000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2014_us-gaap_StatementEquityComponentsAxis_us-gaap_CommonStockMember" unitRef="Unit12" decimals="-3">144000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2014_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">279532000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2014_us-gaap_StatementEquityComponentsAxis_us-gaap_PreferredStockMember" unitRef="Unit12" decimals="-3">17340000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2014_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">203312000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2014_us-gaap_StatementEquityComponentsAxis_us-gaap_TreasuryStockMember" unitRef="Unit12" decimals="-3">-5208000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">293844000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2015_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="Unit12" decimals="-3">-11327000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2015_us-gaap_StatementEquityComponentsAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">72690000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2015_us-gaap_StatementEquityComponentsAxis_us-gaap_CommonStockMember" unitRef="Unit12" decimals="-3">144000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">293844000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2015_us-gaap_StatementEquityComponentsAxis_us-gaap_PreferredStockMember" unitRef="Unit12" decimals="-3">17340000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2015_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">218920000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2015_us-gaap_StatementEquityComponentsAxis_us-gaap_TreasuryStockMember" unitRef="Unit12" decimals="-3">-3923000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquityNoteDisclosureTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;(12.) SHAREHOLDERS' EQUITY&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The Company's authorized capital stock consists of&amp;nbsp;&lt;font class="_mt"&gt;50,210,000&lt;/font&gt; shares of capital stock,&amp;nbsp;&lt;font class="_mt"&gt;50,000,000&lt;/font&gt; of which are common stock, par value $&lt;font class="_mt"&gt;0.01&lt;/font&gt; per share, and&amp;nbsp;&lt;font class="_mt"&gt;210,000&lt;/font&gt; of which are preferred stock, par value $&lt;font class="_mt"&gt;100&lt;/font&gt; per share, which is designated into two classes, Class A of which&amp;nbsp;&lt;font class="_mt"&gt;10,000&lt;/font&gt; shares are authorized, and Class B of which&amp;nbsp;&lt;font class="_mt"&gt;200,000&lt;/font&gt; shares are authorized. There are two series of Class A preferred stock: Series A &lt;font class="_mt"&gt;3&lt;/font&gt;% preferred stock and the Series A preferred stock. There is one series of Class B preferred stock: Series B-1 &lt;font class="_mt"&gt;8.48&lt;/font&gt;% preferred stock. There were&amp;nbsp;&lt;font class="_mt"&gt;173,398&lt;/font&gt; shares of preferred stock issued and&amp;nbsp;&lt;font class="_mt"&gt;outstanding&lt;/font&gt; as of December 31, 2015 and 2014.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Common Stock&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;The following table sets forth the changes in the number of shares of common stock for the years ended December 31:&lt;/font&gt;&lt;/p&gt;

&lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="46%"&gt; &lt;/td&gt;
&lt;td width="28%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Outstanding&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Treasury&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Issued&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Shares outstanding at beginning of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,118,048&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;279,461&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,397,509&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Restricted stock awards issued&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;59,834&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(59,834&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Restricted stock awards forfeited&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(3,490&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,490&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Stock options exercised&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;18,922&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(18,922&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Treasury stock purchases&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(7,523&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,523&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Stock awards&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,401&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(4,401&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Shares outstanding at end of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,190,192&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;207,317&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,397,509&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="6"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Shares outstanding at beginning of year&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,829,355&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;332,242&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,161,597&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Shares issued for the SDN acquisition&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;235,912&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;235,912&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Restricted stock awards issued&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;43,242&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(43,242&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Restricted stock awards forfeited&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(15,441&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;15,441&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Stock options exercised&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;34,082&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(34,082&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Treasury stock purchases&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;(9,102&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,102&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Shares outstanding at end of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,118,048&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;279,461&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,397,509&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Preferred Stock&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;Series A 3% Preferred Stock. &lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;There were&amp;nbsp;&lt;font class="_mt"&gt;1,492&lt;/font&gt; shares of Series A 3% preferred stock issued and outstanding as of December 31, 2015 and 2014. Holders of Series A 3% preferred stock are entitled to receive an annual dividend of $&lt;font class="_mt"&gt;3.00&lt;/font&gt; per share, which is cumulative and payable quarterly. Holders of Series A 3% preferred stock have no pre-emptive right in, or right to purchase or subscribe for, any additional shares of the Company's capital stock and have no voting rights. Dividend or dissolution payments to the Class A shareholders must be declared and paid, or set apart for payment, before any dividends or dissolution payments can be declared and paid, or set apart for payment, to the holders of Class B preferred stock or common stock. The Series A 3% preferred stock is not convertible into any other of the Company's securities.&lt;/font&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;Series B-1 8.48% Preferred Stock. &lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;There were&amp;nbsp;&lt;font class="_mt"&gt;171,906&lt;/font&gt; shares of Series B-1 8.48% preferred stock issued and outstanding as of December 31, 2015 and 2014. Holders of Series B-1 8.48% preferred stock are entitled to receive an annual dividend of $&lt;font class="_mt"&gt;8.48&lt;/font&gt; per share, which is cumulative and payable quarterly. Holders of Series B-1 8.48% preferred stock have no pre-emptive right in, or right to purchase or subscribe for, any additional shares of the Company's common stock and have no voting rights. Accumulated dividends on the Series B-1 8.48% preferred stock do not bear interest, and the Series B-1 8.48% preferred stock is not subject to redemption. Dividend or dissolution payments to the Class B shareholders must be declared and paid, or set apart for payment, before any dividends or dissolution payments are declared and paid, or set apart for payment, to the holders of common stock. The Series B-1 8.48% preferred stock is not convertible into any other of the Company's securities.&lt;/font&gt;&lt;/p&gt; &lt;/div&gt;</us-gaap:StockholdersEquityNoteDisclosureTextBlock>
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&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt; &lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Post&lt;/font&gt;&lt;/b&gt;-&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="4" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Modification Modification&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Outstanding&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td colspan="3" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Outstanding&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Number of&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Contracts&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial business&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,342&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,342&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;682&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;330&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,024&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,672&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="8"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial business&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,381&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,381&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Commercial mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,381&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,381&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock>
  <us-gaap:UnamortizedDebtIssuanceExpense contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">1010000</us-gaap:UnamortizedDebtIssuanceExpense>
  <us-gaap:UnamortizedDebtIssuanceExpense contextRef="As_Of_12_31_2015_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit12" decimals="-3">1010000</us-gaap:UnamortizedDebtIssuanceExpense>
  <us-gaap:UnrealizedGainLossOnInvestmentsTableTextBlock contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left"&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="38%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="16%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Amortized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Gains&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="center"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;December 31, 2015&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Securities available for sale:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;U.S. Government agencies and government&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;sponsored enterprises&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;260,748&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,164&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,049&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;260,863&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage-backed securities:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;209,671&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,092&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,333&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;208,430&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal Home Loan Mortgage Corporation&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;24,564&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;282&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;194&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;24,652&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;26,465&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;943&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;27,404&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collateralized mortgage obligations:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;16,998&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;90&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;154&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;16,934&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal Home Loan Mortgage Corporation&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,175&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;91&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,085&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Privately issued&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;809&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;809&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 8px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;282,873&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,217&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,776&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;283,314&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Asset-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;218&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;218&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 11px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total available for sale securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;543,621&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,599&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,825&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;544,395&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Securities held to maturity:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;294,423&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,562&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;300,981&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage-backed securities:&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,242&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;79&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,177&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,607&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;33&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;159&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;25,481&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collateralized mortgage obligations:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;56,791&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;818&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;55,973&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal Home Loan Mortgage Corporation&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;80,570&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,120&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;79,450&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19,084&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;101&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;19,002&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 8px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;191,294&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;66&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,277&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;189,083&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 11px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total held to maturity securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;485,717&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;6,628&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,281&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;490,064&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;table cellspacing="0" border="0"&gt;
&lt;tr&gt;&lt;td width="38%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="16%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;December 31, 2014&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Securities available for sale:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;U.S. Government agencies and government&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;sponsored enterprises&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;160,334&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,116&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;975&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;160,475&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage-backed securities:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;184,857&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,344&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,264&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;185,937&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal Home Loan Mortgage Corporation&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;29,478&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;799&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;30,270&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;48,800&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,022&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;50,822&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Collateralized mortgage obligations:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;76,247&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;489&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;944&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;75,792&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal Home Loan Mortgage Corporation&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;89,623&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;199&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;2,585&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;87,237&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;29,954&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;598&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;40&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;30,512&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Privately issued&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,218&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;1,218&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 8px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;458,959&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;7,669&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,840&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;461,788&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Asset-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;231&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;231&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 11px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total available for sale securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;619,293&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;9,016&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;5,815&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;622,494&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;b&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"&gt;Securities held to maturity:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;277,273&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,231&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;120&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;281,384&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Mortgage-backed securities:&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Federal National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,279&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;24&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;3,303&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Government National Mortgage Association&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;13,886&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;122&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;14,008&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 8px;" bgcolor="#c6d9f1" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17,165&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;146&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;17,311&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 11px;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;Total held to maturity securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;294,438&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;4,377&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;120&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: rgb(0,0,0) 3px double;" align="right"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;298,695&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:UnrealizedGainLossOnInvestmentsTableTextBlock>
  <us-gaap:UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued contextRef="As_Of_12_31_2014" unitRef="Unit12" decimals="-3">0</us-gaap:UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued>
  <us-gaap:UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued contextRef="As_Of_12_31_2015" unitRef="Unit12" decimals="-3">0</us-gaap:UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued>
  <us-gaap:UseOfEstimates contextRef="Duration_1_1_2015_To_12_31_2015">&lt;div&gt; &lt;div&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;b&gt;&lt;i&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2"&gt;(b.) Use of Estimates&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"&gt;In preparing the consolidated financial statements in conformity with GAAP, management is required to make estimates and assumptions that affect the reported amount of assets and liabilities as of the date of the statement of financial condition and reported amounts of revenue and expenses during the reporting period. Material estimates relate to the determination of the allowance for loan losses, the carrying value of goodwill and deferred tax assets, and assumptions used in the defined benefit pension plan accounting. These estimates and assumptions are based on management's best estimates and judgment and are evaluated on an ongoing basis using historical experience and other factors, including the current economic environment. The Company adjusts these estimates and assumptions when facts and circumstances dictate. As future events cannot be determined with precision, actual results could differ significantly from the Company's estimates.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:UseOfEstimates>
  <us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit1" decimals="-3">13784000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
  <us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit1" decimals="-3">13946000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
  <us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit1" decimals="-3">14135000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
  <us-gaap:WeightedAverageNumberOfSharesIssuedBasic contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit1" decimals="-3">14162000</us-gaap:WeightedAverageNumberOfSharesIssuedBasic>
  <us-gaap:WeightedAverageNumberOfSharesIssuedBasic contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit1" decimals="-3">14261000</us-gaap:WeightedAverageNumberOfSharesIssuedBasic>
  <us-gaap:WeightedAverageNumberOfSharesIssuedBasic contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit1" decimals="-3">14398000</us-gaap:WeightedAverageNumberOfSharesIssuedBasic>
  <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit1" decimals="-3">13739000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
  <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit1" decimals="-3">13893000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
  <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit1" decimals="-3">14081000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
  <us-gaap:WeightedAverageNumberOfSharesRestrictedStock contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit1" decimals="-3">69000</us-gaap:WeightedAverageNumberOfSharesRestrictedStock>
  <us-gaap:WeightedAverageNumberOfSharesRestrictedStock contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit1" decimals="-3">64000</us-gaap:WeightedAverageNumberOfSharesRestrictedStock>
  <us-gaap:WeightedAverageNumberOfSharesRestrictedStock contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit1" decimals="-3">93000</us-gaap:WeightedAverageNumberOfSharesRestrictedStock>
  <us-gaap:WeightedAverageNumberOfSharesTreasuryStock contextRef="Duration_1_1_2013_To_12_31_2013" unitRef="Unit1" decimals="-3">354000</us-gaap:WeightedAverageNumberOfSharesTreasuryStock>
  <us-gaap:WeightedAverageNumberOfSharesTreasuryStock contextRef="Duration_1_1_2014_To_12_31_2014" unitRef="Unit1" decimals="-3">304000</us-gaap:WeightedAverageNumberOfSharesTreasuryStock>
  <us-gaap:WeightedAverageNumberOfSharesTreasuryStock contextRef="Duration_1_1_2015_To_12_31_2015" unitRef="Unit1" decimals="-3">224000</us-gaap:WeightedAverageNumberOfSharesTreasuryStock>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>9
<FILENAME>fisi-20151231_cal.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION CALCULATION LINKBASE
<TEXT>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>11
<FILENAME>fisi-20151231_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--XBRL document created with Certent Inc. Powered by Crossfire 5.17.1.24 -->
<!--Based on XBRL 2.1-->
<!--Created on: 3/7/2016 9:48:54 AM-->
<!--Modified on: 3/7/2016 9:48:54 AM-->
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_Series3PreferredStockMember_lbl" xml:lang="en-US">Series A 3% Preferred Stock [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_Series3PreferredStockMember_lbl" xml:lang="en-US">Series3 Preferred Stock [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_Series3PreferredStockMember_lbl" xml:lang="en-US">Series A 3% Preferred Stock [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_SeriesBPreferredStockMember" xlink:label="us-gaap_SeriesBPreferredStockMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SeriesBPreferredStockMember" xlink:to="us-gaap_SeriesBPreferredStockMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SeriesBPreferredStockMember_lbl" xml:lang="en-US">Series B Preferred Stock [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SeriesBPreferredStockMember_lbl" xml:lang="en-US">Series B-1 8.48% Preferred Stock [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="us-gaap_AssetsAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsAbstract" xlink:to="us-gaap_AssetsAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AssetsAbstract_lbl" xml:lang="en-US">Assets [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AssetsAbstract_lbl" xml:lang="en-US">ASSETS</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_CashAndDueFromBanks" xlink:label="us-gaap_CashAndDueFromBanks" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndDueFromBanks" xlink:to="us-gaap_CashAndDueFromBanks_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashAndDueFromBanks_lbl" xml:lang="en-US">Cash and Due from Banks</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_CashAndDueFromBanks_lbl" xml:lang="en-US">Cash and cash equivalents, end of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_CashAndDueFromBanks_lbl" xml:lang="en-US">Cash and cash equivalents, beginning of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CashAndDueFromBanks_lbl" xml:lang="en-US">Cash and due from banks</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:label="us-gaap_AvailableForSaleSecurities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecurities" xlink:to="us-gaap_AvailableForSaleSecurities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecurities_lbl" xml:lang="en-US">Available-for-sale Securities, Fair Value Disclosure</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AvailableForSaleSecurities_lbl" xml:lang="en-US">Securities available for sale, at fair value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AvailableForSaleSecurities_lbl" xml:lang="en-US">Securities available for sale</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:label="us-gaap_HeldToMaturitySecurities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HeldToMaturitySecurities" xlink:to="us-gaap_HeldToMaturitySecurities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_HeldToMaturitySecurities_lbl" xml:lang="en-US">Held-to-maturity Securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_HeldToMaturitySecurities_lbl" xml:lang="en-US">Securities held to maturity, at amortized cost (fair value of $490,064 and $298,695, respectively)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_HeldToMaturitySecurities_lbl" xml:lang="en-US">Securities held to maturity, Amortized Cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_LoansReceivableHeldForSaleNet" xlink:label="us-gaap_LoansReceivableHeldForSaleNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansReceivableHeldForSaleNet" xlink:to="us-gaap_LoansReceivableHeldForSaleNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansReceivableHeldForSaleNet_lbl" xml:lang="en-US">Loans Receivable Held-for-sale, Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansReceivableHeldForSaleNet_lbl" xml:lang="en-US">Loans held for sale</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:to="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl" xml:lang="en-US">Loans and Leases Receivable, Net Reported Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl" xml:lang="en-US">Loans (net of allowance for loan losses of $27,085 and $27,637, respectively)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl" xml:lang="en-US">Total loans, net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_BankOwnedLifeInsurance" xlink:label="us-gaap_BankOwnedLifeInsurance" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BankOwnedLifeInsurance" xlink:to="us-gaap_BankOwnedLifeInsurance_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_BankOwnedLifeInsurance_lbl" xml:lang="en-US">Bank Owned Life Insurance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_BankOwnedLifeInsurance_lbl" xml:lang="en-US">Company owned life insurance</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="us-gaap_PropertyPlantAndEquipmentNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentNet" xlink:to="us-gaap_PropertyPlantAndEquipmentNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl" xml:lang="en-US">Property, Plant and Equipment, Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl" xml:lang="en-US">Premises and equipment, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl" xml:lang="en-US">Premises and equipment, net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_IntangibleAssetsNetIncludingGoodwill" xlink:label="us-gaap_IntangibleAssetsNetIncludingGoodwill" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IntangibleAssetsNetIncludingGoodwill" xlink:to="us-gaap_IntangibleAssetsNetIncludingGoodwill_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IntangibleAssetsNetIncludingGoodwill_lbl" xml:lang="en-US">Intangible Assets, Net (Including Goodwill)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IntangibleAssetsNetIncludingGoodwill_lbl" xml:lang="en-US">Goodwill and other intangible assets, net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OtherAssets" xlink:label="us-gaap_OtherAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherAssets" xlink:to="us-gaap_OtherAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherAssets_lbl" xml:lang="en-US">Other Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherAssets_lbl" xml:lang="en-US">Other assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_Assets" xlink:label="us-gaap_Assets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Assets" xlink:to="us-gaap_Assets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Assets_lbl" xml:lang="en-US">Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Assets_lbl" xml:lang="en-US">Total assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="us-gaap_LiabilitiesAndStockholdersEquityAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:to="us-gaap_LiabilitiesAndStockholdersEquityAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LiabilitiesAndStockholdersEquityAbstract_lbl" xml:lang="en-US">Liabilities and Equity [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LiabilitiesAndStockholdersEquityAbstract_lbl" xml:lang="en-US">LIABILITIES AND SHAREHOLDERS' EQUITY</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DepositsAbstract" xlink:label="us-gaap_DepositsAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepositsAbstract" xlink:to="us-gaap_DepositsAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DepositsAbstract_lbl" xml:lang="en-US">Deposits:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilities" xlink:label="us-gaap_NoninterestBearingDepositLiabilities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestBearingDepositLiabilities" xlink:to="us-gaap_NoninterestBearingDepositLiabilities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoninterestBearingDepositLiabilities_lbl" xml:lang="en-US">Noninterest-bearing Deposit Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NoninterestBearingDepositLiabilities_lbl" xml:lang="en-US">Noninterest-bearing demand</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_InterestBearingDepositLiabilities" xlink:label="us-gaap_InterestBearingDepositLiabilities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestBearingDepositLiabilities" xlink:to="us-gaap_InterestBearingDepositLiabilities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestBearingDepositLiabilities_lbl" xml:lang="en-US">Interest-bearing Deposit Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestBearingDepositLiabilities_lbl" xml:lang="en-US">Interest-bearing demand</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DepositsSavingsDeposits" xlink:label="us-gaap_DepositsSavingsDeposits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepositsSavingsDeposits" xlink:to="us-gaap_DepositsSavingsDeposits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DepositsSavingsDeposits_lbl" xml:lang="en-US">Deposits, Savings Deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DepositsSavingsDeposits_lbl" xml:lang="en-US">Savings and money market</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TimeDeposits" xlink:label="us-gaap_TimeDeposits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDeposits" xlink:to="us-gaap_TimeDeposits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TimeDeposits_lbl" xml:lang="en-US">Time Deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_TimeDeposits_lbl" xml:lang="en-US">Total time deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_TimeDeposits_lbl" xml:lang="en-US">Time deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_Deposits" xlink:label="us-gaap_Deposits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Deposits" xlink:to="us-gaap_Deposits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Deposits_lbl" xml:lang="en-US">Deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Deposits_lbl" xml:lang="en-US">Total deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShortTermBorrowings" xlink:label="us-gaap_ShortTermBorrowings" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShortTermBorrowings" xlink:to="us-gaap_ShortTermBorrowings_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShortTermBorrowings_lbl" xml:lang="en-US">Short-term Debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShortTermBorrowings_lbl" xml:lang="en-US">Short-term borrowings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ShortTermBorrowings_lbl" xml:lang="en-US">Total short-term borrowings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_LongTermDebt" xlink:label="us-gaap_LongTermDebt" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LongTermDebt" xlink:to="us-gaap_LongTermDebt_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LongTermDebt_lbl" xml:lang="en-US">Long-term Debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LongTermDebt_lbl" xml:lang="en-US">Long-term borrowings, net of issuance costs of $1,010</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OtherLiabilities" xlink:label="us-gaap_OtherLiabilities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherLiabilities" xlink:to="us-gaap_OtherLiabilities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherLiabilities_lbl" xml:lang="en-US">Other Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherLiabilities_lbl" xml:lang="en-US">Other liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_Liabilities" xlink:label="us-gaap_Liabilities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_Liabilities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Liabilities_lbl" xml:lang="en-US">Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Liabilities_lbl" xml:lang="en-US">Total liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_CommitmentsAndContingencies" xlink:label="us-gaap_CommitmentsAndContingencies" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommitmentsAndContingencies" xlink:to="us-gaap_CommitmentsAndContingencies_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommitmentsAndContingencies_lbl" xml:lang="en-US">Commitments and Contingencies</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommitmentsAndContingencies_lbl" xml:lang="en-US">Off-balance sheet commitments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_CommitmentsAndContingencies_lbl" xml:lang="en-US">Commitments and contingencies (Note 10)</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TreasuryStockValue" xlink:label="us-gaap_TreasuryStockValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TreasuryStockValue" xlink:to="us-gaap_TreasuryStockValue_lbl" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="us-gaap_StockholdersEquity" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_StockholdersEquity_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockholdersEquity_lbl" xml:lang="en-US">Stockholders' Equity Attributable to Parent</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_StockholdersEquity_lbl" xml:lang="en-US">Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_StockholdersEquity_lbl" xml:lang="en-US">Total shareholders' equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_StockholdersEquity_lbl" xml:lang="en-US">Shareholders' equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_LiabilitiesAndStockholdersEquity_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity_lbl" xml:lang="en-US">Liabilities and Equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity_lbl" xml:lang="en-US">Total liabilities and shareholders' equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:label="us-gaap_HeldToMaturitySecuritiesFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HeldToMaturitySecuritiesFairValue" xlink:to="us-gaap_HeldToMaturitySecuritiesFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_HeldToMaturitySecuritiesFairValue_lbl" xml:lang="en-US">Held-to-maturity Securities, Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_HeldToMaturitySecuritiesFairValue_lbl" xml:lang="en-US">Securities held to maturity, fair value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_HeldToMaturitySecuritiesFairValue_lbl" xml:lang="en-US">Securities held to maturity, Fair Value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableAllowance" xlink:to="us-gaap_LoansAndLeasesReceivableAllowance_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_lbl" xml:lang="en-US">Loans and Leases Receivable, Allowance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_lbl" xml:lang="en-US">Allowance for loan losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_lbl" xml:lang="en-US">Loans, allowance for loan losses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_UnamortizedDebtIssuanceExpense" xlink:label="us-gaap_UnamortizedDebtIssuanceExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_UnamortizedDebtIssuanceExpense" xlink:to="us-gaap_UnamortizedDebtIssuanceExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_UnamortizedDebtIssuanceExpense_lbl" xml:lang="en-US">Unamortized Debt Issuance Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_UnamortizedDebtIssuanceExpense_lbl" xml:lang="en-US">Debt issuance costs</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PreferredStockParOrStatedValuePerShare" xlink:label="us-gaap_PreferredStockParOrStatedValuePerShare" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockParOrStatedValuePerShare" xlink:to="us-gaap_PreferredStockParOrStatedValuePerShare_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredStockParOrStatedValuePerShare_lbl" xml:lang="en-US">Preferred Stock, Par or Stated Value Per Share</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PreferredStockParOrStatedValuePerShare_lbl" xml:lang="en-US">Preferred stock, par value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PreferredStockSharesAuthorized" xlink:label="us-gaap_PreferredStockSharesAuthorized" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockSharesAuthorized" xlink:to="us-gaap_PreferredStockSharesAuthorized_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredStockSharesAuthorized_lbl" xml:lang="en-US">Preferred Stock, Shares Authorized</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PreferredStockSharesAuthorized_lbl" xml:lang="en-US">Preferred stock, shares authorized</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PreferredStockSharesIssued" xlink:label="us-gaap_PreferredStockSharesIssued" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredStockSharesIssued_lbl" xml:lang="en-US">Preferred Stock, Shares Issued</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PreferredStockSharesIssued_lbl" xml:lang="en-US">Preferred stock, shares issued</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PreferredStockSharesOutstanding" xlink:label="us-gaap_PreferredStockSharesOutstanding" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockSharesOutstanding" xlink:to="us-gaap_PreferredStockSharesOutstanding_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredStockSharesOutstanding_lbl" xml:lang="en-US">Preferred Stock, Shares Outstanding</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PreferredStockSharesOutstanding_lbl" xml:lang="en-US">Preferred stock, shares outstanding</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PreferredStockDividendRatePercentage" xlink:label="us-gaap_PreferredStockDividendRatePercentage" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredStockDividendRatePercentage_lbl" xml:lang="en-US">Preferred Stock, Dividend Rate, Percentage</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PreferredStockDividendRatePercentage_lbl" xml:lang="en-US">Preferred stock, dividend percentage</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockParOrStatedValuePerShare_lbl" xml:lang="en-US">Common Stock, Par or Stated Value Per Share</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockParOrStatedValuePerShare_lbl" xml:lang="en-US">Common stock, par value</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockSharesAuthorized_lbl" xml:lang="en-US">Common Stock, Shares Authorized</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockSharesAuthorized_lbl" xml:lang="en-US">Common stock, shares authorized</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockSharesIssued_lbl" xml:lang="en-US">Common Stock, Shares, Issued</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_CommonStockSharesIssued_lbl" xml:lang="en-US">Shares issued, beginning balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockSharesIssued_lbl" xml:lang="en-US">Common stock, shares issued</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockSharesOutstanding_lbl" xml:lang="en-US">Common Stock, Shares, Outstanding</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_CommonStockSharesOutstanding_lbl" xml:lang="en-US">Shares outstanding, ending balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_CommonStockSharesOutstanding_lbl" xml:lang="en-US">Shares outstanding, beginning balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockSharesOutstanding_lbl" xml:lang="en-US">Common stock, shares outstanding</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_TreasuryStockShares_lbl" xml:lang="en-US">Treasury stock, beginning balance</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestAndDividendIncomeOperatingAbstract_lbl" xml:lang="en-US">Interest income:</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_InterestAndDividendIncomeSecurities" xlink:label="us-gaap_InterestAndDividendIncomeSecurities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestAndDividendIncomeSecurities" xlink:to="us-gaap_InterestAndDividendIncomeSecurities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestAndDividendIncomeSecurities_lbl" xml:lang="en-US">Interest and Dividend Income, Securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestAndDividendIncomeSecurities_lbl" xml:lang="en-US">Interest and dividends on investment securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestAndDividendIncomeSecurities_lbl" xml:lang="en-US">Total interest and dividends on securities</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestAndDividendIncomeOperating" xlink:to="us-gaap_InterestAndDividendIncomeOperating_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestAndDividendIncomeOperating_lbl" xml:lang="en-US">Interest and Dividend Income, Operating</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestAndDividendIncomeOperating_lbl" xml:lang="en-US">Total interest income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:label="us-gaap_InterestExpenseAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseAbstract" xlink:to="us-gaap_InterestExpenseAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpenseAbstract_lbl" xml:lang="en-US">Interest Expense [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpenseAbstract_lbl" xml:lang="en-US">Interest expense:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_InterestExpenseDeposits" xlink:label="us-gaap_InterestExpenseDeposits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseDeposits" xlink:to="us-gaap_InterestExpenseDeposits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpenseDeposits_lbl" xml:lang="en-US">Interest Expense, Deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpenseDeposits_lbl" xml:lang="en-US">Deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestExpenseDeposits_lbl" xml:lang="en-US">Total interest expense on deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_InterestExpenseShortTermBorrowings" xlink:label="us-gaap_InterestExpenseShortTermBorrowings" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseShortTermBorrowings" xlink:to="us-gaap_InterestExpenseShortTermBorrowings_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpenseShortTermBorrowings_lbl" xml:lang="en-US">Interest Expense, Short-term Borrowings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpenseShortTermBorrowings_lbl" xml:lang="en-US">Short-term borrowings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_InterestExpenseLongTermDebt" xlink:label="us-gaap_InterestExpenseLongTermDebt" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseLongTermDebt" xlink:to="us-gaap_InterestExpenseLongTermDebt_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpenseLongTermDebt_lbl" xml:lang="en-US">Interest Expense, Long-term Debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpenseLongTermDebt_lbl" xml:lang="en-US">Long-term borrowings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_InterestExpense" xlink:label="us-gaap_InterestExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpense" xlink:to="us-gaap_InterestExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpense_lbl" xml:lang="en-US">Interest Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpense_lbl" xml:lang="en-US">Interest expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestExpense_lbl" xml:lang="en-US">Total interest expense</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="us-gaap_InterestIncomeExpenseNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestIncomeExpenseNet" xlink:to="us-gaap_InterestIncomeExpenseNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestIncomeExpenseNet_lbl" xml:lang="en-US">Interest Income (Expense), Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestIncomeExpenseNet_lbl" xml:lang="en-US">Interest income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestIncomeExpenseNet_lbl" xml:lang="en-US">Net interest income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_InterestIncomeExpenseNet_lbl" xml:lang="en-US">Net interest income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ProvisionForLoanAndLeaseLosses" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProvisionForLoanAndLeaseLosses" xlink:to="us-gaap_ProvisionForLoanAndLeaseLosses_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses_lbl" xml:lang="en-US">Provision for Loan and Lease Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses_lbl" xml:lang="en-US">Provision for loan losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses_lbl" xml:lang="en-US">Provision for loan losses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:label="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:to="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl" xml:lang="en-US">Interest Income (Expense), after Provision for Loan Loss</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl" xml:lang="en-US">Net interest income after provision for loan losses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="us-gaap_NoninterestIncomeAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestIncomeAbstract" xlink:to="us-gaap_NoninterestIncomeAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoninterestIncomeAbstract_lbl" xml:lang="en-US">Noninterest Income [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NoninterestIncomeAbstract_lbl" xml:lang="en-US">Noninterest income:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FeesAndCommissionsDepositorAccounts" xlink:label="us-gaap_FeesAndCommissionsDepositorAccounts" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FeesAndCommissionsDepositorAccounts" xlink:to="us-gaap_FeesAndCommissionsDepositorAccounts_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FeesAndCommissionsDepositorAccounts_lbl" xml:lang="en-US">Fees and Commissions, Depositor Accounts</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FeesAndCommissionsDepositorAccounts_lbl" xml:lang="en-US">Service charges on deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_InsuranceServicesRevenue" xlink:label="us-gaap_InsuranceServicesRevenue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InsuranceServicesRevenue" xlink:to="us-gaap_InsuranceServicesRevenue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InsuranceServicesRevenue_lbl" xml:lang="en-US">Insurance Services Revenue</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InsuranceServicesRevenue_lbl" xml:lang="en-US">Insurance income</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_AtmAndDebitCard" xlink:label="fisi_AtmAndDebitCard" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_AtmAndDebitCard" xlink:to="fisi_AtmAndDebitCard_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_AtmAndDebitCard_lbl" xml:lang="en-US">ATM and debit card</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_AtmAndDebitCard_lbl" xml:lang="en-US">ATM and Debit Card</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_AtmAndDebitCard_lbl" xml:lang="en-US">ATM and debit card</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_BrokerageCommissionsRevenue" xlink:label="us-gaap_BrokerageCommissionsRevenue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BrokerageCommissionsRevenue" xlink:to="us-gaap_BrokerageCommissionsRevenue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_BrokerageCommissionsRevenue_lbl" xml:lang="en-US">Brokerage Commissions Revenue</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_BrokerageCommissionsRevenue_lbl" xml:lang="en-US">Investment advisory</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_BankOwnedLifeInsuranceIncome" xlink:label="us-gaap_BankOwnedLifeInsuranceIncome" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BankOwnedLifeInsuranceIncome" xlink:to="us-gaap_BankOwnedLifeInsuranceIncome_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_BankOwnedLifeInsuranceIncome_lbl" xml:lang="en-US">Bank Owned Life Insurance Income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_BankOwnedLifeInsuranceIncome_lbl" xml:lang="en-US">Increase in company owned life insurance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_BankOwnedLifeInsuranceIncome_lbl" xml:lang="en-US">Company owned life insurance</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_NoninterestIncomeInvestmentsInLimitedPartnerships" xlink:label="fisi_NoninterestIncomeInvestmentsInLimitedPartnerships" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_NoninterestIncomeInvestmentsInLimitedPartnerships_lbl" xml:lang="en-US">Noninterest income from investments in limited partnerships.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_NoninterestIncomeInvestmentsInLimitedPartnerships_lbl" xml:lang="en-US">Noninterest income investments in limited partnerships</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_NoninterestIncomeInvestmentsInLimitedPartnerships_lbl" xml:lang="en-US">Investments in limited partnerships</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ServicingFeesNet" xlink:label="us-gaap_ServicingFeesNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ServicingFeesNet" xlink:to="us-gaap_ServicingFeesNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ServicingFeesNet_lbl" xml:lang="en-US">Servicing Fees, Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ServicingFeesNet_lbl" xml:lang="en-US">Loan servicing</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_GainLossOnSalesOfLoansNet" xlink:label="us-gaap_GainLossOnSalesOfLoansNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainLossOnSalesOfLoansNet" xlink:to="us-gaap_GainLossOnSalesOfLoansNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GainLossOnSalesOfLoansNet_lbl" xml:lang="en-US">Gain (Loss) on Sales of Loans, Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_GainLossOnSalesOfLoansNet_lbl" xml:lang="en-US">Net gain on sale of loans held for sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="us-gaap_GainLossOnSalesOfLoansNet_lbl" xml:lang="en-US">Net gain on sale of loans held for sale</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_GainLossOnSaleOfSecuritiesNet" xlink:label="us-gaap_GainLossOnSaleOfSecuritiesNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainLossOnSaleOfSecuritiesNet" xlink:to="us-gaap_GainLossOnSaleOfSecuritiesNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GainLossOnSaleOfSecuritiesNet_lbl" xml:lang="en-US">Gain (Loss) on Sale of Securities, Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_GainLossOnSaleOfSecuritiesNet_lbl" xml:lang="en-US">Net gain on disposal of investment securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_GainLossOnSaleOfSecuritiesNet_lbl" xml:lang="en-US">Net gain on disposal of investment securities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_GainLossOnSaleOfOtherAssets" xlink:label="us-gaap_GainLossOnSaleOfOtherAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainLossOnSaleOfOtherAssets" xlink:to="us-gaap_GainLossOnSaleOfOtherAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GainLossOnSaleOfOtherAssets_lbl" xml:lang="en-US">Gains (Losses) on Sales of Other Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="us-gaap_GainLossOnSaleOfOtherAssets_lbl" xml:lang="en-US">Net (gain) loss on sale and disposal of other assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_GainLossOnSaleOfOtherAssets_lbl" xml:lang="en-US">Net gain (loss) on sale and disposal of other assets</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoninterestExpenseAbstract_lbl" xml:lang="en-US">Noninterest Expense [Abstract]</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OccupancyNet" xlink:label="us-gaap_OccupancyNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OccupancyNet" xlink:to="us-gaap_OccupancyNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OccupancyNet_lbl" xml:lang="en-US">Occupancy, Net</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProfessionalFees" xlink:to="us-gaap_ProfessionalFees_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProfessionalFees_lbl" xml:lang="en-US">Professional Fees</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProfessionalFees_lbl" xml:lang="en-US">Professional services</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InformationTechnologyAndDataProcessing" xlink:to="us-gaap_InformationTechnologyAndDataProcessing_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InformationTechnologyAndDataProcessing_lbl" xml:lang="en-US">Information Technology and Data Processing</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InformationTechnologyAndDataProcessing_lbl" xml:lang="en-US">Computer and data processing</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_SuppliesAndPostageExpense" xlink:label="us-gaap_SuppliesAndPostageExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SuppliesAndPostageExpense" xlink:to="us-gaap_SuppliesAndPostageExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SuppliesAndPostageExpense_lbl" xml:lang="en-US">Supplies and Postage Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SuppliesAndPostageExpense_lbl" xml:lang="en-US">Supplies and postage</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:label="us-gaap_FederalDepositInsuranceCorporationPremiumExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:to="us-gaap_FederalDepositInsuranceCorporationPremiumExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalDepositInsuranceCorporationPremiumExpense_lbl" xml:lang="en-US">Federal Deposit Insurance Corporation Premium Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalDepositInsuranceCorporationPremiumExpense_lbl" xml:lang="en-US">FDIC assessments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_MarketingAndAdvertisingExpense" xlink:label="us-gaap_MarketingAndAdvertisingExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MarketingAndAdvertisingExpense" xlink:to="us-gaap_MarketingAndAdvertisingExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MarketingAndAdvertisingExpense_lbl" xml:lang="en-US">Marketing and Advertising Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MarketingAndAdvertisingExpense_lbl" xml:lang="en-US">Advertising and promotions</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_GoodwillImpairmentLoss" xlink:label="us-gaap_GoodwillImpairmentLoss" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GoodwillImpairmentLoss" xlink:to="us-gaap_GoodwillImpairmentLoss_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GoodwillImpairmentLoss_lbl" xml:lang="en-US">Goodwill, Impairment Loss</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_GoodwillImpairmentLoss_lbl" xml:lang="en-US">Impairment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GoodwillImpairmentLoss_lbl" xml:lang="en-US">Goodwill impairment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="us-gaap_OtherNoninterestExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherNoninterestExpense" xlink:to="us-gaap_OtherNoninterestExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherNoninterestExpense_lbl" xml:lang="en-US">Other Noninterest Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherNoninterestExpense_lbl" xml:lang="en-US">Other</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="us-gaap_NoninterestExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestExpense" xlink:to="us-gaap_NoninterestExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoninterestExpense_lbl" xml:lang="en-US">Noninterest Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_NoninterestExpense_lbl" xml:lang="en-US">Noninterest expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NoninterestExpense_lbl" xml:lang="en-US">Total noninterest expense</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:to="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_lbl" xml:lang="en-US">Income (Loss) from Continuing Operations before Equity Method Investments, Income Taxes, Extraordinary Items, Noncontrolling Interest</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_lbl" xml:lang="en-US">Income before income tax benefit and equity in undistributed earnings of subsidiary</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_lbl" xml:lang="en-US">Income before income taxes</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="us-gaap_IncomeTaxExpenseBenefit" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxExpenseBenefit" xlink:to="us-gaap_IncomeTaxExpenseBenefit_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Income Tax Expense (Benefit)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Income tax (expense) benefit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="us-gaap_IncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Income tax (expense) benefit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Income tax expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_IncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Total income tax expense</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="us-gaap_NetIncomeLoss" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetIncomeLoss" xlink:to="us-gaap_NetIncomeLoss_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetIncomeLoss_lbl" xml:lang="en-US">Net Income (Loss), Including Portion Attributable to Noncontrolling Interest</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetIncomeLoss_lbl" xml:lang="en-US">Net income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_NetIncomeLoss_lbl" xml:lang="en-US">Net income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:label="us-gaap_PreferredStockDividendsIncomeStatementImpact" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredStockDividendsIncomeStatementImpact_lbl" xml:lang="en-US">Preferred Stock Dividends, Income Statement Impact</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PreferredStockDividendsIncomeStatementImpact_lbl" xml:lang="en-US">Preferred stock dividends</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:label="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:to="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl" xml:lang="en-US">Net Income (Loss) Available to Common Stockholders, Basic</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl" xml:lang="en-US">Net income available to common shareholders</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl" xml:lang="en-US">Net income available to common shareholders for EPS</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="us-gaap_EarningsPerShareAbstract" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EarningsPerShareAbstract_lbl" xml:lang="en-US">Earnings Per Common Share [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EarningsPerShareAbstract_lbl" xml:lang="en-US">Earnings per common share (Note 16):</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:label="us-gaap_EarningsPerShareBasic" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EarningsPerShareBasic_lbl" xml:lang="en-US">Earnings Per Share, Basic</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EarningsPerShareBasic_lbl" xml:lang="en-US">Basic</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_EarningsPerShareBasic_lbl" xml:lang="en-US">Basic earnings per common share</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:label="us-gaap_EarningsPerShareDiluted" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EarningsPerShareDiluted_lbl" xml:lang="en-US">Earnings Per Share, Diluted</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EarningsPerShareDiluted_lbl" xml:lang="en-US">Diluted</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_EarningsPerShareDiluted_lbl" xml:lang="en-US">Diluted earnings per common share</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockDividendsPerShareDeclared_lbl" xml:lang="en-US">Common Stock, Dividends, Per Share, Declared</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockDividendsPerShareDeclared_lbl" xml:lang="en-US">Common stock dividends per share, declared</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_CommonStockDividendsPerShareDeclared_lbl" xml:lang="en-US">Cash dividends declared per common share</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_lbl" xml:lang="en-US">Other comprehensive income (loss), net of tax:</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_lbl" xml:lang="en-US">Other comprehensive (loss) income, net of tax:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_lbl" xml:lang="en-US">Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_lbl" xml:lang="en-US">Net unrealized (losses) gains on securities available for sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_lbl" xml:lang="en-US">Total securities available for sale and transferred securities, Net-of-tax Amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax_lbl" xml:lang="en-US">Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Adjustment, Net of Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:label="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax_lbl" xml:lang="en-US">Pension and post-retirement obligations</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:label="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax_lbl" xml:lang="en-US">Total pension and post-retirement obligations, Net-of-tax Amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossNetOfTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTax_lbl" xml:lang="en-US">Other Comprehensive Income (Loss), Net of Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTax_lbl" xml:lang="en-US">Other comprehensive income (loss), net of tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTax_lbl" xml:lang="en-US">Total other comprehensive (loss) income, net of tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTax_lbl" xml:lang="en-US">Net current period other comprehensive income (loss)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="us-gaap_ComprehensiveIncomeNetOfTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ComprehensiveIncomeNetOfTax" xlink:to="us-gaap_ComprehensiveIncomeNetOfTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ComprehensiveIncomeNetOfTax_lbl" xml:lang="en-US">Comprehensive Income (Loss), Net of Tax, Attributable to Parent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_ComprehensiveIncomeNetOfTax_lbl" xml:lang="en-US">Comprehensive income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_StatementOfStockholdersEquityAbstract" xlink:label="us-gaap_StatementOfStockholdersEquityAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementOfStockholdersEquityAbstract" xlink:to="us-gaap_StatementOfStockholdersEquityAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StatementOfStockholdersEquityAbstract_lbl" xml:lang="en-US">Consolidated Statement Of Changes In Shareholders' Equity [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="us-gaap_StatementEquityComponentsAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementEquityComponentsAxis" xlink:to="us-gaap_StatementEquityComponentsAxis_lbl" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="us-gaap_EquityComponentDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EquityComponentDomain" xlink:to="us-gaap_EquityComponentDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EquityComponentDomain_lbl" xml:lang="en-US">Equity Component [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EquityComponentDomain_lbl" xml:lang="en-US">Equity Component [Domain]</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockMember" xlink:to="us-gaap_PreferredStockMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredStockMember_lbl" xml:lang="en-US">Preferred Stock [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PreferredStockMember_lbl" xml:lang="en-US">Preferred Equity [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_CommonStockMember" xlink:label="us-gaap_CommonStockMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockMember" xlink:to="us-gaap_CommonStockMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockMember_lbl" xml:lang="en-US">Common Stock [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockMember_lbl" xml:lang="en-US">Common Stock [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AdditionalPaidInCapitalMember" xlink:label="us-gaap_AdditionalPaidInCapitalMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdditionalPaidInCapitalMember" xlink:to="us-gaap_AdditionalPaidInCapitalMember_lbl" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AdditionalPaidInCapitalMember_lbl" xml:lang="en-US">Additional Paid-In Capital [Member]</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RetainedEarningsMember" xlink:to="us-gaap_RetainedEarningsMember_lbl" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_RetainedEarningsMember_lbl" xml:lang="en-US">Retained Earnings [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:to="us-gaap_AccumulatedOtherComprehensiveIncomeMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeMember_lbl" xml:lang="en-US">Accumulated Other Comprehensive Income [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeMember_lbl" xml:lang="en-US">Accumulated Other Comprehensive Loss [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TreasuryStockMember" xlink:label="us-gaap_TreasuryStockMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TreasuryStockMember" xlink:to="us-gaap_TreasuryStockMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TreasuryStockMember_lbl" xml:lang="en-US">Treasury Stock [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TreasuryStockMember_lbl" xml:lang="en-US">Treasury Stock [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAbstract" xlink:label="us-gaap_ComprehensiveIncomeNetOfTaxAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ComprehensiveIncomeNetOfTaxAbstract" xlink:to="us-gaap_ComprehensiveIncomeNetOfTaxAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ComprehensiveIncomeNetOfTaxAbstract_lbl" xml:lang="en-US">Comprehensive Income (Loss), Net of Tax, Attributable to Parent [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ComprehensiveIncomeNetOfTaxAbstract_lbl" xml:lang="en-US">Comprehensive income:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:label="us-gaap_StockIssuedDuringPeriodValueNewIssues" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockIssuedDuringPeriodValueNewIssues_lbl" xml:lang="en-US">Stock Issued During Period, Value, New Issues</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:label="us-gaap_TreasuryStockValueAcquiredCostMethod" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_TreasuryStockValueAcquiredCostMethod_lbl" xml:lang="en-US">Purchases of common stock for treasury</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_RepurchaseOfSeriesThreePercentagePreferredStock_lbl" xml:lang="en-US">Repurchase of Series A 3% preferred stock.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_RepurchaseOfSeriesThreePercentagePreferredStock_lbl" xml:lang="en-US">Repurchase Of Series Three Percentage Preferred Stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_RepurchaseOfSeriesThreePercentagePreferredStock_lbl" xml:lang="en-US">Repurchase of Series A 3% preferred stock</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_PaymentForRepurchaseOfSeriesBOneEightPointFourEightPercentPreferredStock_lbl" xml:lang="en-US">Payment For Repurchase Of Series B-1 8.48% Preferred Stock</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShareBasedCompensationAbstract" xlink:label="us-gaap_ShareBasedCompensationAbstract" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationAbstract_lbl" xml:lang="en-US">Share-Based Compensation [Abstract]</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensation" xlink:to="us-gaap_ShareBasedCompensation_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensation_lbl" xml:lang="en-US">Share-based Compensation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="us-gaap_ShareBasedCompensation_lbl" xml:lang="en-US">Total share-based compensation expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensation_lbl" xml:lang="en-US">Share-based compensation</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised" xlink:label="us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised" xlink:to="us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised_lbl" xml:lang="en-US">Stock Issued During Period, Value, Stock Options Exercised</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised_lbl" xml:lang="en-US">Stock options exercised</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation" xlink:label="us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation" xlink:to="us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation_lbl" xml:lang="en-US">Stock Issued During Period, Value, Restricted Stock Award, Gross</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation_lbl" xml:lang="en-US">Restricted stock awards issued, net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation" xlink:label="us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation" xlink:to="us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation_lbl" xml:lang="en-US">Adjustments to Additional Paid in Capital, Income Tax Benefit from Share-based Compensation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation_lbl" xml:lang="en-US">Excess tax benefit</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_StockGrantedDuringPeriodValueSharebasedCompensation" xlink:label="us-gaap_StockGrantedDuringPeriodValueSharebasedCompensation" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockGrantedDuringPeriodValueSharebasedCompensation" xlink:to="us-gaap_StockGrantedDuringPeriodValueSharebasedCompensation_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockGrantedDuringPeriodValueSharebasedCompensation_lbl" xml:lang="en-US">Stock Granted, Value, Share-based Compensation, Net of Forfeitures</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockGrantedDuringPeriodValueSharebasedCompensation_lbl" xml:lang="en-US">Stock awards</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DividendsCashAbstract" xlink:label="us-gaap_DividendsCashAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DividendsCashAbstract" xlink:to="us-gaap_DividendsCashAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DividendsCashAbstract_lbl" xml:lang="en-US">Dividends, Cash [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DividendsCashAbstract_lbl" xml:lang="en-US">Cash dividends declared:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DividendsPreferredStockCash" xlink:label="us-gaap_DividendsPreferredStockCash" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DividendsPreferredStockCash" xlink:to="us-gaap_DividendsPreferredStockCash_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DividendsPreferredStockCash_lbl" xml:lang="en-US">Dividends, Preferred Stock, Cash</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_DividendsPreferredStockCash_lbl" xml:lang="en-US">Preferred stock dividends per share</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DividendsCommonStockCash" xlink:label="us-gaap_DividendsCommonStockCash" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DividendsCommonStockCash" xlink:to="us-gaap_DividendsCommonStockCash_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DividendsCommonStockCash_lbl" xml:lang="en-US">Dividends, Common Stock, Cash</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_DividendsCommonStockCash_lbl" xml:lang="en-US">Common stock dividends per share</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PreferredStockDividendsPerShareDeclared" xlink:label="us-gaap_PreferredStockDividendsPerShareDeclared" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockDividendsPerShareDeclared" xlink:to="us-gaap_PreferredStockDividendsPerShareDeclared_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredStockDividendsPerShareDeclared_lbl" xml:lang="en-US">Preferred Stock Dividends Per Share, Declared</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PreferredStockDividendsPerShareDeclared_lbl" xml:lang="en-US">Preferred stock dividends per share, declared</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="us-gaap_StatementOfCashFlowsAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementOfCashFlowsAbstract" xlink:to="us-gaap_StatementOfCashFlowsAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StatementOfCashFlowsAbstract_lbl" xml:lang="en-US">Consolidated Statements Of Cash Flows [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xml:lang="en-US">Net Cash Provided by (Used in) Operating Activities [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xml:lang="en-US">Cash flows from operating activities:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xml:lang="en-US">Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xml:lang="en-US">Adjustments to reconcile net income to net cash provided by operating activities:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DepreciationAndAmortization" xlink:label="us-gaap_DepreciationAndAmortization" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepreciationAndAmortization" xlink:to="us-gaap_DepreciationAndAmortization_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DepreciationAndAmortization_lbl" xml:lang="en-US">Depreciation, Depletion and Amortization, Nonproduction</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DepreciationAndAmortization_lbl" xml:lang="en-US">Depreciation and amortization</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:to="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl" xml:lang="en-US">Accretion (Amortization) of Discounts and Premiums, Investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl" xml:lang="en-US">Net amortization of premiums on securities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:to="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Deferred Income Tax Expense (Benefit)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Deferred income tax expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Total deferred tax expense</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForSale" xlink:label="us-gaap_ProceedsFromSaleOfLoansHeldForSale" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfLoansHeldForSale" xlink:to="us-gaap_ProceedsFromSaleOfLoansHeldForSale_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleOfLoansHeldForSale_lbl" xml:lang="en-US">Proceeds from Sale of Loans Held-for-sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromSaleOfLoansHeldForSale_lbl" xml:lang="en-US">Proceeds from sale of loans held for sale</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale" xlink:label="us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale" xlink:to="us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale_lbl" xml:lang="en-US">Payments for Origination and Purchases of Loans Held-for-sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale_lbl" xml:lang="en-US">Originations of loans held for sale</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PensionAndOtherPostretirementBenefitContributions" xlink:label="us-gaap_PensionAndOtherPostretirementBenefitContributions" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PensionAndOtherPostretirementBenefitContributions" xlink:to="us-gaap_PensionAndOtherPostretirementBenefitContributions_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PensionAndOtherPostretirementBenefitContributions_lbl" xml:lang="en-US">Pension and Other Postretirement Benefit Contributions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PensionAndOtherPostretirementBenefitContributions_lbl" xml:lang="en-US">Contributions to defined pension plan</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:to="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl" xml:lang="en-US">Increase (Decrease) in Other Operating Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl" xml:lang="en-US">Increase in other assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl" xml:lang="en-US">(Increase) decrease in other assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:to="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_lbl" xml:lang="en-US">Increase (Decrease) in Other Operating Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_lbl" xml:lang="en-US">Decrease in other liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_lbl" xml:lang="en-US">Increase (decrease) in other liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_lbl" xml:lang="en-US">Net Cash Provided by (Used in) Operating Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_lbl" xml:lang="en-US">Net cash provided by operating activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" xml:lang="en-US">Cash flows from investing activities:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PaymentsToAcquireInvestmentsAbstract" xlink:label="us-gaap_PaymentsToAcquireInvestmentsAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireInvestmentsAbstract" xlink:to="us-gaap_PaymentsToAcquireInvestmentsAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquireInvestmentsAbstract_lbl" xml:lang="en-US">Payments to Acquire Investments [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PaymentsToAcquireInvestmentsAbstract_lbl" xml:lang="en-US">Purchases of investment securities:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:to="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl" xml:lang="en-US">Payments to Acquire Available-for-sale Securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl" xml:lang="en-US">Available for sale</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PaymentsToAcquireHeldToMaturitySecurities" xlink:label="us-gaap_PaymentsToAcquireHeldToMaturitySecurities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireHeldToMaturitySecurities" xlink:to="us-gaap_PaymentsToAcquireHeldToMaturitySecurities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquireHeldToMaturitySecurities_lbl" xml:lang="en-US">Payments to Acquire Held-to-maturity Securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquireHeldToMaturitySecurities_lbl" xml:lang="en-US">Held to maturity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract" xlink:label="us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract" xlink:to="us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract_lbl" xml:lang="en-US">Proceeds from Sale, Maturity and Collection of Investments [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract_lbl" xml:lang="en-US">Proceeds from principal payments, maturities and calls on investment securities:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" xlink:label="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" xlink:to="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_lbl" xml:lang="en-US">Proceeds from Sale and Maturity of Available-for-sale Securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_lbl" xml:lang="en-US">Available for sale</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities" xlink:label="us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities" xlink:to="us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities_lbl" xml:lang="en-US">Proceeds from Sale and Maturity of Held-to-maturity Securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities_lbl" xml:lang="en-US">Held to maturity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:to="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_lbl" xml:lang="en-US">Proceeds from Maturities, Prepayments and Calls of Available-for-sale Securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_lbl" xml:lang="en-US">Proceeds from sales of securities available for sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_lbl" xml:lang="en-US">Proceeds from sales</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:label="us-gaap_PaymentsForProceedsFromLoansAndLeases" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:to="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl" xml:lang="en-US">Payments for (Proceeds from) Loans and Leases</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl" xml:lang="en-US">Net increase in loans, excluding sales</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PaymentsToAcquireLifeInsurancePolicies" xlink:label="us-gaap_PaymentsToAcquireLifeInsurancePolicies" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireLifeInsurancePolicies" xlink:to="us-gaap_PaymentsToAcquireLifeInsurancePolicies_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquireLifeInsurancePolicies_lbl" xml:lang="en-US">Payments to Acquire Life Insurance Policies</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquireLifeInsurancePolicies_lbl" xml:lang="en-US">Purchases of company owned life insurance</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PaymentsForProceedsFromOtherInvestingActivities" xlink:label="us-gaap_PaymentsForProceedsFromOtherInvestingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForProceedsFromOtherInvestingActivities" xlink:to="us-gaap_PaymentsForProceedsFromOtherInvestingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsForProceedsFromOtherInvestingActivities_lbl" xml:lang="en-US">Payments for (Proceeds from) Other Investing Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsForProceedsFromOtherInvestingActivities_lbl" xml:lang="en-US">Proceeds from sales of other assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:to="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" xml:lang="en-US">Payments to Acquire Property, Plant, and Equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" xml:lang="en-US">Purchases of premises and equipment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired" xlink:label="us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired" xlink:to="us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_lbl" xml:lang="en-US">Payments to Acquire Businesses, Net of Cash Acquired</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_lbl" xml:lang="en-US">Cash consideration paid for acquisition, net of cash acquired</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_lbl" xml:lang="en-US">Net cash paid for acquisition</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_lbl" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_lbl" xml:lang="en-US">Net cash used in investing activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" xml:lang="en-US">Net Cash Provided by (Used in) Financing Activities [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" xml:lang="en-US">Cash flows from financing activities:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_IncreaseDecreaseInDeposits" xlink:label="us-gaap_IncreaseDecreaseInDeposits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInDeposits" xlink:to="us-gaap_IncreaseDecreaseInDeposits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInDeposits_lbl" xml:lang="en-US">Increase (Decrease) in Deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInDeposits_lbl" xml:lang="en-US">Net increase in deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfShortTermDebt" xlink:label="us-gaap_ProceedsFromRepaymentsOfShortTermDebt" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromRepaymentsOfShortTermDebt" xlink:to="us-gaap_ProceedsFromRepaymentsOfShortTermDebt_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromRepaymentsOfShortTermDebt_lbl" xml:lang="en-US">Proceeds from (Repayments of) Short-term Debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ProceedsFromRepaymentsOfShortTermDebt_lbl" xml:lang="en-US">Net (decrease) increase in short-term borrowings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ProceedsFromIssuanceOfLongTermDebt" xlink:label="us-gaap_ProceedsFromIssuanceOfLongTermDebt" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromIssuanceOfLongTermDebt" xlink:to="us-gaap_ProceedsFromIssuanceOfLongTermDebt_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromIssuanceOfLongTermDebt_lbl" xml:lang="en-US">Proceeds from Issuance of Long-term Debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromIssuanceOfLongTermDebt_lbl" xml:lang="en-US">Issuance of long-term debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ProceedsFromIssuanceOfLongTermDebt_lbl" xml:lang="en-US">Issuance of long-term debt, net of issuance costs</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PaymentsOfDebtIssuanceCosts" xlink:label="us-gaap_PaymentsOfDebtIssuanceCosts" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsOfDebtIssuanceCosts" xlink:to="us-gaap_PaymentsOfDebtIssuanceCosts_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsOfDebtIssuanceCosts_lbl" xml:lang="en-US">Payments of Debt Issuance Costs</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsOfDebtIssuanceCosts_lbl" xml:lang="en-US">Debt issuance costs</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock" xlink:label="us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock" xlink:to="us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock_lbl" xml:lang="en-US">Payments for Repurchase of Preferred Stock and Preference Stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock_lbl" xml:lang="en-US">Repurchase of preferred stock</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:label="us-gaap_PaymentsForRepurchaseOfCommonStock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:to="us-gaap_PaymentsForRepurchaseOfCommonStock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsForRepurchaseOfCommonStock_lbl" xml:lang="en-US">Payments for Repurchase of Common Stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsForRepurchaseOfCommonStock_lbl" xml:lang="en-US">Purchase of common stock for treasury</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ProceedsFromStockOptionsExercised" xlink:label="us-gaap_ProceedsFromStockOptionsExercised" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromStockOptionsExercised" xlink:to="us-gaap_ProceedsFromStockOptionsExercised_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromStockOptionsExercised_lbl" xml:lang="en-US">Proceeds from Stock Options Exercised</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromStockOptionsExercised_lbl" xml:lang="en-US">Proceeds from stock options exercised</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities" xlink:label="us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities" xlink:to="us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities_lbl" xml:lang="en-US">Excess Tax Benefit from Share-based Compensation, Financing Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities_lbl" xml:lang="en-US">Excess tax benefit (expense) on share-based compensation</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:label="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:to="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_lbl" xml:lang="en-US">Payments of Dividends, Preferred Stock and Preference Stock</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_TreasuryStockPolicyPolicyTextBlock_lbl" xml:lang="en-US">Treasury Stock Policy [Policy Text Block]</label>
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    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_EmployeeBenefitsPolicyPolicyTextBlock" xlink:label="fisi_EmployeeBenefitsPolicyPolicyTextBlock" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_EmployeeBenefitsPolicyPolicyTextBlock_lbl" xml:lang="en-US">Employee Benefits Policy [Policy Text Block]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RegulatoryIncomeTaxesPolicy_lbl" xml:lang="en-US">Regulatory Income Taxes, Policy [Policy Text Block]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ComprehensiveIncomePolicyPolicyTextBlock_lbl" xml:lang="en-US">Comprehensive Income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_EarningsPerSharePolicyTextBlock" xlink:label="us-gaap_EarningsPerSharePolicyTextBlock" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EarningsPerSharePolicyTextBlock_lbl" xml:lang="en-US">Earnings Per Share, Policy [Policy Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EarningsPerSharePolicyTextBlock_lbl" xml:lang="en-US">Earnings Per Common Share</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PriorPeriodReclassificationAdjustmentDescription" xlink:label="us-gaap_PriorPeriodReclassificationAdjustmentDescription" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PriorPeriodReclassificationAdjustmentDescription_lbl" xml:lang="en-US">Reclassification, Policy [Policy Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PriorPeriodReclassificationAdjustmentDescription_lbl" xml:lang="en-US">Reclassifications</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:label="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_lbl" xml:lang="en-US">Recent Accounting Pronouncements</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock" xlink:label="us-gaap_ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock" xlink:to="us-gaap_ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock_lbl" xml:lang="en-US">Schedule of Cash Flow, Supplemental Disclosures [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock_lbl" xml:lang="en-US">Summary Of Supplemental Cash Flow Information</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:label="us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:to="us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_lbl" xml:lang="en-US">Schedule of Business Acquisitions, by Acquisition [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_BusinessAcquisitionLineItems" xlink:label="us-gaap_BusinessAcquisitionLineItems" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_BusinessAcquisitionLineItems_lbl" xml:lang="en-US">Business Acquisition [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock" xlink:label="us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock_lbl" xml:lang="en-US">Consideration Paid And The Amounts Of The Recognized Assets Acquired And Liabilities Assumed</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock" xlink:label="us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock_lbl" xml:lang="en-US">Condensed Statements Of Income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:label="us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:to="us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock_lbl" xml:lang="en-US">Schedule of Condensed Cash Flow Statement [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock_lbl" xml:lang="en-US">Condensed Statements Of Cash Flows</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ReconciliationOfAssetsFromSegmentToConsolidatedTextBlock" xlink:label="us-gaap_ReconciliationOfAssetsFromSegmentToConsolidatedTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ReconciliationOfAssetsFromSegmentToConsolidatedTextBlock" xlink:to="us-gaap_ReconciliationOfAssetsFromSegmentToConsolidatedTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ReconciliationOfAssetsFromSegmentToConsolidatedTextBlock_lbl" xml:lang="en-US">Reconciliation of Assets from Segment to Consolidated [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ReconciliationOfAssetsFromSegmentToConsolidatedTextBlock_lbl" xml:lang="en-US">Business Segment Assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTextBlock" xlink:label="us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTextBlock" xlink:to="us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTextBlock_lbl" xml:lang="en-US">Reconciliation of Operating Profit (Loss) from Segments to Consolidated [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTextBlock_lbl" xml:lang="en-US">Business Segment Profit (Loss)</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_SignificantAccountingPoliciesTable" xlink:label="fisi_SignificantAccountingPoliciesTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_SignificantAccountingPoliciesTable" xlink:to="fisi_SignificantAccountingPoliciesTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_SignificantAccountingPoliciesTable_lbl" xml:lang="en-US">Significant Accounting Policies [Table]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_SignificantAccountingPoliciesTable_lbl" xml:lang="en-US">Significant Accounting Policies [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:label="us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:to="us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_lbl" xml:lang="en-US">Finite-Lived Intangible Assets by Major Class [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:label="us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:to="us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_lbl" xml:lang="en-US">Finite Lived Intangible Assets Major Class Name [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_lbl" xml:lang="en-US">Finite-Lived Intangible Assets, Major Class Name [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_CoreDepositsMember" xlink:label="us-gaap_CoreDepositsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CoreDepositsMember" xlink:to="us-gaap_CoreDepositsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CoreDepositsMember_lbl" xml:lang="en-US">Core Deposits [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CoreDepositsMember_lbl" xml:lang="en-US">Core Deposits [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_RangeAxis" xlink:label="us-gaap_RangeAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RangeAxis" xlink:to="us-gaap_RangeAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RangeAxis_lbl" xml:lang="en-US">Range [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_RangeMember" xlink:label="us-gaap_RangeMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RangeMember" xlink:to="us-gaap_RangeMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RangeMember_lbl" xml:lang="en-US">Range [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_RangeMember_lbl" xml:lang="en-US">Range [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_MinimumMember" xlink:label="us-gaap_MinimumMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MinimumMember" xlink:to="us-gaap_MinimumMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MinimumMember_lbl" xml:lang="en-US">Minimum [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MinimumMember_lbl" xml:lang="en-US">Minimum [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_MaximumMember" xlink:label="us-gaap_MaximumMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MaximumMember" xlink:to="us-gaap_MaximumMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MaximumMember_lbl" xml:lang="en-US">Maximum [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MaximumMember_lbl" xml:lang="en-US">Maximum [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:label="us-gaap_PropertyPlantAndEquipmentByTypeAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:to="us-gaap_PropertyPlantAndEquipmentByTypeAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentByTypeAxis_lbl" xml:lang="en-US">Property, Plant and Equipment, Type [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:label="us-gaap_PropertyPlantAndEquipmentTypeDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:to="us-gaap_PropertyPlantAndEquipmentTypeDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentTypeDomain_lbl" xml:lang="en-US">Property Plant And Equipment Type [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentTypeDomain_lbl" xml:lang="en-US">Property Plant And Equipment Type [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_BuildingAndBuildingImprovementsMember" xlink:label="us-gaap_BuildingAndBuildingImprovementsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BuildingAndBuildingImprovementsMember" xlink:to="us-gaap_BuildingAndBuildingImprovementsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_BuildingAndBuildingImprovementsMember_lbl" xml:lang="en-US">Building And Building Improvements [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_BuildingAndBuildingImprovementsMember_lbl" xml:lang="en-US">Building And Building Improvements [Member]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_SoftwareFurnitureAndEquipmentMember" xlink:label="fisi_SoftwareFurnitureAndEquipmentMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_SoftwareFurnitureAndEquipmentMember" xlink:to="fisi_SoftwareFurnitureAndEquipmentMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_SoftwareFurnitureAndEquipmentMember_lbl" xml:lang="en-US">Software, Furniture And Equipment [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_SoftwareFurnitureAndEquipmentMember_lbl" xml:lang="en-US">Software Furniture And Equipment [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_SoftwareFurnitureAndEquipmentMember_lbl" xml:lang="en-US">Software Furniture And Equipment [Member]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_SignificantAccountingPoliciesLineItems" xlink:label="fisi_SignificantAccountingPoliciesLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_SignificantAccountingPoliciesLineItems" xlink:to="fisi_SignificantAccountingPoliciesLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_SignificantAccountingPoliciesLineItems_lbl" xml:lang="en-US">Significant Accounting Policies [Line Items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_SignificantAccountingPoliciesLineItems_lbl" xml:lang="en-US">Significant Accounting Policies [Line Items]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_DaysPastDueWhenLoansAreGenerallyPlacedOnNonaccrualStatusInDays" xlink:label="fisi_DaysPastDueWhenLoansAreGenerallyPlacedOnNonaccrualStatusInDays" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_DaysPastDueWhenLoansAreGenerallyPlacedOnNonaccrualStatusInDays" xlink:to="fisi_DaysPastDueWhenLoansAreGenerallyPlacedOnNonaccrualStatusInDays_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_DaysPastDueWhenLoansAreGenerallyPlacedOnNonaccrualStatusInDays_lbl" xml:lang="en-US">Days Past Due When Loans Are Generally Placed On Nonaccrual Status, In Days</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_DaysPastDueWhenLoansAreGenerallyPlacedOnNonaccrualStatusInDays_lbl" xml:lang="en-US">Days Past Due When Loans Are Generally Placed On Nonaccrual Status, In Days</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_DaysPastDueWhenLoansAreGenerallyPlacedOnNonaccrualStatusInDays_lbl" xml:lang="en-US">Days past due when loans are generally placed on nonaccrual status, in days</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_DaysPastDueWhenLoansAreGenerallyChargedOffInFullInDays" xlink:label="fisi_DaysPastDueWhenLoansAreGenerallyChargedOffInFullInDays" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_DaysPastDueWhenLoansAreGenerallyChargedOffInFullInDays" xlink:to="fisi_DaysPastDueWhenLoansAreGenerallyChargedOffInFullInDays_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_DaysPastDueWhenLoansAreGenerallyChargedOffInFullInDays_lbl" xml:lang="en-US">Days Past Due When Loans Are Generally Charged-Off In Full, In Days</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_DaysPastDueWhenLoansAreGenerallyChargedOffInFullInDays_lbl" xml:lang="en-US">Days Past Due When Loans Are Generally Charged-Off In Full, In Days</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_DaysPastDueWhenLoansAreGenerallyChargedOffInFullInDays_lbl" xml:lang="en-US">Days past due when loans are generally charged-off in full, in days</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_GeneralPeriodAfterLoansBecomeCurrentAccrualStatusReturnedInMonths" xlink:label="fisi_GeneralPeriodAfterLoansBecomeCurrentAccrualStatusReturnedInMonths" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_GeneralPeriodAfterLoansBecomeCurrentAccrualStatusReturnedInMonths" xlink:to="fisi_GeneralPeriodAfterLoansBecomeCurrentAccrualStatusReturnedInMonths_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_GeneralPeriodAfterLoansBecomeCurrentAccrualStatusReturnedInMonths_lbl" xml:lang="en-US">General Period After Loans Become Current, Accrual Status Returned, In Months</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_GeneralPeriodAfterLoansBecomeCurrentAccrualStatusReturnedInMonths_lbl" xml:lang="en-US">General Period After Loans Become Current, Accrual Status Returned, In Months</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_GeneralPeriodAfterLoansBecomeCurrentAccrualStatusReturnedInMonths_lbl" xml:lang="en-US">General period after loans become current, accrual status returned, in months</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_DebtOutstandingOriginalTermInYears" xlink:label="fisi_DebtOutstandingOriginalTermInYears" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_DebtOutstandingOriginalTermInYears" xlink:to="fisi_DebtOutstandingOriginalTermInYears_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_DebtOutstandingOriginalTermInYears_lbl" xml:lang="en-US">Debt Outstanding Original Term, In Years</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_DebtOutstandingOriginalTermInYears_lbl" xml:lang="en-US">Debt Outstanding Original Term, In Years</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_DebtOutstandingOriginalTermInYears_lbl" xml:lang="en-US">Standby letters of credit outstanding original term, in years</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OtherRealEstate" xlink:label="us-gaap_OtherRealEstate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherRealEstate" xlink:to="us-gaap_OtherRealEstate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherRealEstate_lbl" xml:lang="en-US">Other Real Estate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherRealEstate_lbl" xml:lang="en-US">Other real estate owned</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_NumberOfYearsUsedForCompensationCalculation" xlink:label="fisi_NumberOfYearsUsedForCompensationCalculation" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_NumberOfYearsUsedForCompensationCalculation" xlink:to="fisi_NumberOfYearsUsedForCompensationCalculation_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_NumberOfYearsUsedForCompensationCalculation_lbl" xml:lang="en-US">Number of Years Used for Compensation Calculation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_NumberOfYearsUsedForCompensationCalculation_lbl" xml:lang="en-US">Number of Years Used for Compensation Calculation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_NumberOfYearsUsedForCompensationCalculation_lbl" xml:lang="en-US">Number of consecutive years used for compensation calculation</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetUsefulLife" xlink:label="us-gaap_FiniteLivedIntangibleAssetUsefulLife" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FiniteLivedIntangibleAssetUsefulLife" xlink:to="us-gaap_FiniteLivedIntangibleAssetUsefulLife_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FiniteLivedIntangibleAssetUsefulLife_lbl" xml:lang="en-US">Finite-Lived Intangible Asset, Useful Life</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FiniteLivedIntangibleAssetUsefulLife_lbl" xml:lang="en-US">Estimated average life</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:label="us-gaap_PropertyPlantAndEquipmentUsefulLife" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:to="us-gaap_PropertyPlantAndEquipmentUsefulLife_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentUsefulLife_lbl" xml:lang="en-US">Property, Plant and Equipment, Useful Life</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentUsefulLife_lbl" xml:lang="en-US">Premise and equipment, estimated useful lives, in years</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_LossRateLookBackPeriod" xlink:label="fisi_LossRateLookBackPeriod" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_LossRateLookBackPeriod" xlink:to="fisi_LossRateLookBackPeriod_lbl" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TransferToOtherRealEstate_lbl" xml:lang="en-US">Noncash or Part Noncash Acquisition, Fixed Assets Acquired</label>
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    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_DividendsAccruedAndDeclaredButNotYetPaid" xlink:label="fisi_DividendsAccruedAndDeclaredButNotYetPaid" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_DividendsAccruedAndDeclaredButNotYetPaid_lbl" xml:lang="en-US">Future cash outflow to pay dividends that have been accrued and declared.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_DividendsAccruedAndDeclaredButNotYetPaid_lbl" xml:lang="en-US">Dividends accrued and declared but not yet paid</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_IncreaseInNetUnsettledSecurityTransactions_lbl" xml:lang="en-US">Increase in net unsettled security transactions.</label>
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    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_SecuritiesTransferredFromAvailableForSaleToHeldToMaturity" xlink:label="fisi_SecuritiesTransferredFromAvailableForSaleToHeldToMaturity" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_SecuritiesTransferredFromAvailableForSaleToHeldToMaturity_lbl" xml:lang="en-US">Securities transferred from available for sale to held to maturity.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_SecuritiesTransferredFromAvailableForSaleToHeldToMaturity_lbl" xml:lang="en-US">Securities transferred from available for sale to held to maturity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_SecuritiesTransferredFromAvailableForSaleToHeldToMaturity_lbl" xml:lang="en-US">Securities transferred from available for sale to held to maturity</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_LoansTransferredFromHeldForSaleToHeldForInvestment" xlink:label="fisi_LoansTransferredFromHeldForSaleToHeldForInvestment" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_LoansTransferredFromHeldForSaleToHeldForInvestment_lbl" xml:lang="en-US">Loans transferred from held for sale to held for investment.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_LoansTransferredFromHeldForSaleToHeldForInvestment_lbl" xml:lang="en-US">Loans transferred from held for sale to held for investment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_LoansTransferredFromHeldForSaleToHeldForInvestment_lbl" xml:lang="en-US">Loans transferred from held for sale to held for investment</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable_lbl" xml:lang="en-US">Common stock issued for acquisition</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NoncashOrPartNoncashAcquisitionValueOfAssetsAcquired1_lbl" xml:lang="en-US">Loans and other non-cash assets, excluding goodwill and core deposit intangible asset</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1" xlink:label="us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1_lbl" xml:lang="en-US">Deposits and other liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ScheduleOfSignificantAcquisitionsAndDisposalsTable" xlink:label="us-gaap_ScheduleOfSignificantAcquisitionsAndDisposalsTable" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_BusinessCombinationConsiderationTransferredIncludingEquityInterestInAcquireeHeldPriorToCombination1_lbl" xml:lang="en-US">Consideration including both cash and stock</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_BusinessCombinationConsiderationTransferredLiabilitiesIncurred_lbl" xml:lang="en-US">Contingent consideration</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill" xlink:label="us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_SecuritiesTransferredFromAvailableForSaleToHeldToMaturityAtFairValue_lbl" xml:lang="en-US">Securities Transferred From Available For Sale To Held To Maturity At Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_SecuritiesTransferredFromAvailableForSaleToHeldToMaturityAtFairValue_lbl" xml:lang="en-US">Securities transferred from available for sale to held to maturity (at fair value)</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_OtherComprehensiveIncomeLossTransfersFromAvailableForSaleToHeldToMaturitySecuritiesBeforeTax_lbl" xml:lang="en-US">Before tax amount of unrealized holding gain (loss) related to transfers of securities into the held-to-maturity classification and out of the available-for-sale classification.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_OtherComprehensiveIncomeLossTransfersFromAvailableForSaleToHeldToMaturitySecuritiesBeforeTax_lbl" xml:lang="en-US">Other Comprehensive Income Loss Transfers From Available For Sale To Held To Maturity Securities Before Tax</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1" xlink:label="us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1_lbl" xml:lang="en-US">Number of security positions, unrealized loss position</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount" xlink:label="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount_lbl" xml:lang="en-US">Held-to-maturity Securities, Debt Maturities, after Ten Years, Net Carrying Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount_lbl" xml:lang="en-US">Debt securities held to maturity, Due after ten years, Amortized Cost</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments_lbl" xml:lang="en-US">Securities available for sale, Less than 12 months, Unrealized Losses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:to="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_lbl" xml:lang="en-US">Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_lbl" xml:lang="en-US">Securities available for sale, Fair Value, Total</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments" xlink:label="fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments" xlink:to="fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments_lbl" xml:lang="en-US">Amount of accumulated pre-tax unrealized loss on securities classified as available-for-sale impacting investments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments_lbl" xml:lang="en-US">Available For Sale Securities Continuous Unrealized Loss Position Aggregate Losses Accumulated in Investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments_lbl" xml:lang="en-US">Securities available for sale, Unrealized Losses, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:label="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:to="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_lbl" xml:lang="en-US">Held-to-maturity Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_lbl" xml:lang="en-US">Securities held to maturity, Less than 12 months, Fair Value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:label="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:to="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_lbl" xml:lang="en-US">Held to maturity Securities Continuous Unrealized Loss Position Less Than 12 Months Accumulated Loss</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_lbl" xml:lang="en-US">Securities held to maturity, Less than 12 months, Unrealized Losses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue" xlink:label="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue" xlink:to="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_lbl" xml:lang="en-US">Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_lbl" xml:lang="en-US">Securities held to maturity, Fair Value, Total</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:label="fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:to="fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_lbl" xml:lang="en-US">This item represents the fair value of securities that have been in a continuous unrealized loss position for twelve months or longer.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_lbl" xml:lang="en-US">Investment Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_lbl" xml:lang="en-US">Total Securities, 12 months or longer, Fair Value</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_InvestmentSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:label="fisi_InvestmentSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_InvestmentSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:to="fisi_InvestmentSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_InvestmentSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_lbl" xml:lang="en-US">Amount of accumulated pre-tax unrealized loss on securities that have been in a loss position for twelve months or longer.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_InvestmentSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_lbl" xml:lang="en-US">Investment Securities Continuous Unrealized Loss Position 12 Months Or Longer Accumulated Loss</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="fisi_InvestmentSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_lbl" xml:lang="en-US">Total Securities, 12 months or longer, Unrealized Losses</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:label="fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:to="fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionFairValue_lbl" xml:lang="en-US">This item represents the fair value of securities which are in an unrealized loss position.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionFairValue_lbl" xml:lang="en-US">Investment Securities Continuous Unrealized Loss Position Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionFairValue_lbl" xml:lang="en-US">Total Securities, Fair Value</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_InvestmentSecuritiesAccumulatedUnrecognizedHoldingLoss" xlink:label="fisi_InvestmentSecuritiesAccumulatedUnrecognizedHoldingLoss" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_InvestmentSecuritiesAccumulatedUnrecognizedHoldingLoss" xlink:to="fisi_InvestmentSecuritiesAccumulatedUnrecognizedHoldingLoss_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_InvestmentSecuritiesAccumulatedUnrecognizedHoldingLoss_lbl" xml:lang="en-US">Amount of accumulated pre-tax unrealized loss on securities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_InvestmentSecuritiesAccumulatedUnrecognizedHoldingLoss_lbl" xml:lang="en-US">Investment Securities Accumulated Unrecognized Holding Loss</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="fisi_InvestmentSecuritiesAccumulatedUnrecognizedHoldingLoss_lbl" xml:lang="en-US">Total Securities, Unrealized Losses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:to="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_lbl" xml:lang="en-US">Schedule of Accounts, Notes, Loans and Financing Receivable [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="us-gaap_AccountsNotesAndLoansReceivableLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:to="us-gaap_AccountsNotesAndLoansReceivableLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccountsNotesAndLoansReceivableLineItems_lbl" xml:lang="en-US">Accounts, Notes, Loans and Financing Receivable [Line Items]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_ResidentialRealEstateMortgagesServicedForOthers" xlink:label="fisi_ResidentialRealEstateMortgagesServicedForOthers" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_ResidentialRealEstateMortgagesServicedForOthers" xlink:to="fisi_ResidentialRealEstateMortgagesServicedForOthers_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_ResidentialRealEstateMortgagesServicedForOthers_lbl" xml:lang="en-US">Residential Real Estate Mortgages Serviced For Others</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_ResidentialRealEstateMortgagesServicedForOthers_lbl" xml:lang="en-US">Residential Real Estate Mortgages Serviced For Others</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_ResidentialRealEstateMortgagesServicedForOthers_lbl" xml:lang="en-US">Residential real estate mortgages serviced for others</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_EscrowDeposit" xlink:label="us-gaap_EscrowDeposit" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EscrowDeposit" xlink:to="us-gaap_EscrowDeposit_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EscrowDeposit_lbl" xml:lang="en-US">Escrow Deposit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EscrowDeposit_lbl" xml:lang="en-US">Escrow and other custodial funds</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_MortgageServicingAssetsBeforeValuationAllowance" xlink:label="fisi_MortgageServicingAssetsBeforeValuationAllowance" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_MortgageServicingAssetsBeforeValuationAllowance" xlink:to="fisi_MortgageServicingAssetsBeforeValuationAllowance_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_MortgageServicingAssetsBeforeValuationAllowance_lbl" xml:lang="en-US">Mortgage Servicing Assets, Before Valuation Allowance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_MortgageServicingAssetsBeforeValuationAllowance_lbl" xml:lang="en-US">Mortgage Servicing Assets, Before Valuation Allowance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="fisi_MortgageServicingAssetsBeforeValuationAllowance_lbl" xml:lang="en-US">Mortgage servicing assets, end of year</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="fisi_MortgageServicingAssetsBeforeValuationAllowance_lbl" xml:lang="en-US">Mortgage servicing assets, beginning of year</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ServicingAssetAtFairValueAdditions" xlink:label="us-gaap_ServicingAssetAtFairValueAdditions" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ServicingAssetAtFairValueAdditions" xlink:to="us-gaap_ServicingAssetAtFairValueAdditions_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ServicingAssetAtFairValueAdditions_lbl" xml:lang="en-US">Origination of Mortgage Servicing Rights (MSRs)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ServicingAssetAtFairValueAdditions_lbl" xml:lang="en-US">Originations</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AmortizationOfMortgageServicingRightsMSRs" xlink:label="us-gaap_AmortizationOfMortgageServicingRightsMSRs" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AmortizationOfMortgageServicingRightsMSRs" xlink:to="us-gaap_AmortizationOfMortgageServicingRightsMSRs_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AmortizationOfMortgageServicingRightsMSRs_lbl" xml:lang="en-US">Amortization of Mortgage Servicing Rights (MSRs)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AmortizationOfMortgageServicingRightsMSRs_lbl" xml:lang="en-US">Amortization</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_MortgageServicingAssetsValuationAllowance" xlink:label="fisi_MortgageServicingAssetsValuationAllowance" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_MortgageServicingAssetsValuationAllowance" xlink:to="fisi_MortgageServicingAssetsValuationAllowance_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_MortgageServicingAssetsValuationAllowance_lbl" xml:lang="en-US">Mortgage Servicing Assets, Valuation Allowance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_MortgageServicingAssetsValuationAllowance_lbl" xml:lang="en-US">Mortgage Servicing Assets, Valuation Allowance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="fisi_MortgageServicingAssetsValuationAllowance_lbl" xml:lang="en-US">Valuation allowance</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_MortgageServicingAssetsNetOfValuationAllowance" xlink:label="fisi_MortgageServicingAssetsNetOfValuationAllowance" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_MortgageServicingAssetsNetOfValuationAllowance" xlink:to="fisi_MortgageServicingAssetsNetOfValuationAllowance_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_MortgageServicingAssetsNetOfValuationAllowance_lbl" xml:lang="en-US">Mortgage Servicing Assets Net Of Valuation Allowance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_MortgageServicingAssetsNetOfValuationAllowance_lbl" xml:lang="en-US">Mortgage Servicing Assets Net Of Valuation Allowance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="fisi_MortgageServicingAssetsNetOfValuationAllowance_lbl" xml:lang="en-US">Mortgage servicing assets, net, end of year</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_lbl" xml:lang="en-US">Financing Receivable, Recorded Investment, by Class of Financing Receivable [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_lbl" xml:lang="en-US">Financing Receivable Recorded Investment Class Of Financing Receivable [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_lbl" xml:lang="en-US">Financing Receivable, Recorded Investment, Class of Financing Receivable [Domain]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_ConsumerOverdraftsMember" xlink:label="fisi_ConsumerOverdraftsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_ConsumerOverdraftsMember" xlink:to="fisi_ConsumerOverdraftsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_ConsumerOverdraftsMember_lbl" xml:lang="en-US">Consumer Overdrafts [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_ConsumerOverdraftsMember_lbl" xml:lang="en-US">Consumer Overdrafts [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_ConsumerOverdraftsMember_lbl" xml:lang="en-US">Consumer Overdrafts [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_LoansAndLeasesReceivableRelatedParties" xlink:label="us-gaap_LoansAndLeasesReceivableRelatedParties" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableRelatedParties" xlink:to="us-gaap_LoansAndLeasesReceivableRelatedParties_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableRelatedParties_lbl" xml:lang="en-US">Loans and Leases Receivable, Related Parties</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableRelatedParties_lbl" xml:lang="en-US">Loans, related parties</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions" xlink:label="us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions" xlink:to="us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions_lbl" xml:lang="en-US">Loans and Leases Receivable, Related Parties, Additions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions_lbl" xml:lang="en-US">Loans, related parties, new borrowings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_LoansAndLeasesReceivableRelatedPartiesCollections" xlink:label="us-gaap_LoansAndLeasesReceivableRelatedPartiesCollections" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableRelatedPartiesCollections" xlink:to="us-gaap_LoansAndLeasesReceivableRelatedPartiesCollections_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableRelatedPartiesCollections_lbl" xml:lang="en-US">Loans and Leases Receivable, Related Parties, Collections</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableRelatedPartiesCollections_lbl" xml:lang="en-US">Loans, related parties, repayments and other reductions</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:label="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:to="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl" xml:lang="en-US">Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl" xml:lang="en-US">Past due greater than 90 days and still accruing interest</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue_lbl" xml:lang="en-US">Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue_lbl" xml:lang="en-US">Greater Than 90 Days</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue_lbl" xml:lang="en-US">Past due greater than 90 days</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_InterestIncomeOperating" xlink:label="us-gaap_InterestIncomeOperating" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestIncomeOperating" xlink:to="us-gaap_InterestIncomeOperating_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestIncomeOperating_lbl" xml:lang="en-US">Interest Income, Operating</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestIncomeOperating_lbl" xml:lang="en-US">Estimated interest income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FinancingReceivableModificationsNumberOfContracts2" xlink:label="us-gaap_FinancingReceivableModificationsNumberOfContracts2" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableModificationsNumberOfContracts2" xlink:to="us-gaap_FinancingReceivableModificationsNumberOfContracts2_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableModificationsNumberOfContracts2_lbl" xml:lang="en-US">Financing Receivable, Modifications, Number of Contracts</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableModificationsNumberOfContracts2_lbl" xml:lang="en-US">Number of Contracts</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2" xlink:label="us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2" xlink:to="us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2_lbl" xml:lang="en-US">Financing Receivable, Modifications, Pre-Modification Recorded Investment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2_lbl" xml:lang="en-US">Pre-Modification Outstanding Recorded Investment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1" xlink:label="us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1" xlink:to="us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1_lbl" xml:lang="en-US">Financing Receivable, Modifications, Subsequent Default, Number of Contracts</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1_lbl" xml:lang="en-US">Number of TDR loans in default</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" xlink:label="us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" xlink:to="us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1_lbl" xml:lang="en-US">Financing Receivable, Modifications, Subsequent Default, Recorded Investment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1_lbl" xml:lang="en-US">TDRs in default, amount</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_CommercialAndIndustrialMember" xlink:label="fisi_CommercialAndIndustrialMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_CommercialAndIndustrialMember" xlink:to="fisi_CommercialAndIndustrialMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_CommercialAndIndustrialMember_lbl" xml:lang="en-US">Commercial And Industrial [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_CommercialAndIndustrialMember_lbl" xml:lang="en-US">Commercial And Industrial [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_CommercialAndIndustrialMember_lbl" xml:lang="en-US">Commercial Business [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:label="us-gaap_CommercialRealEstateMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommercialRealEstateMember" xlink:to="us-gaap_CommercialRealEstateMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommercialRealEstateMember_lbl" xml:lang="en-US">Commercial Real Estate [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommercialRealEstateMember_lbl" xml:lang="en-US">Commercial Mortgage [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ResidentialMortgageMember" xlink:label="us-gaap_ResidentialMortgageMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ResidentialMortgageMember" xlink:to="us-gaap_ResidentialMortgageMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ResidentialMortgageMember_lbl" xml:lang="en-US">Residential Mortgage [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ResidentialMortgageMember_lbl" xml:lang="en-US">Residential Mortgage [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_HomeEquityMember" xlink:label="us-gaap_HomeEquityMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HomeEquityMember" xlink:to="us-gaap_HomeEquityMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_HomeEquityMember_lbl" xml:lang="en-US">Home Equity [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_HomeEquityMember_lbl" xml:lang="en-US">Home Equity [Member]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_ConsumerIndirectMember" xlink:label="fisi_ConsumerIndirectMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_ConsumerIndirectMember" xlink:to="fisi_ConsumerIndirectMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_ConsumerIndirectMember_lbl" xml:lang="en-US">Consumer Indirect [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_ConsumerIndirectMember_lbl" xml:lang="en-US">Consumer Indirect [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_ConsumerIndirectMember_lbl" xml:lang="en-US">Consumer Indirect [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ConsumerOtherFinancingReceivableMember" xlink:label="us-gaap_ConsumerOtherFinancingReceivableMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConsumerOtherFinancingReceivableMember" xlink:to="us-gaap_ConsumerOtherFinancingReceivableMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ConsumerOtherFinancingReceivableMember_lbl" xml:lang="en-US">Consumer Other Financing Receivable [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ConsumerOtherFinancingReceivableMember_lbl" xml:lang="en-US">Other Consumer [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:label="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:to="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl" xml:lang="en-US">Loans and Leases Receivable, Gross, Carrying Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl" xml:lang="en-US">Loans, Gross</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl" xml:lang="en-US">Total Loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_LoansAndLeasesReceivableDeferredIncome" xlink:label="us-gaap_LoansAndLeasesReceivableDeferredIncome" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableDeferredIncome" xlink:to="us-gaap_LoansAndLeasesReceivableDeferredIncome_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableDeferredIncome_lbl" xml:lang="en-US">Loans and Leases Receivable, Deferred Income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableDeferredIncome_lbl" xml:lang="en-US">Net Deferred Loan Costs (Fees)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:label="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:to="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_lbl" xml:lang="en-US">Loans and Leases Receivable, Net of Deferred Income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_lbl" xml:lang="en-US">Loans, Net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:label="us-gaap_ScheduleOfFinancingReceivablesPastDueTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:to="us-gaap_ScheduleOfFinancingReceivablesPastDueTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfFinancingReceivablesPastDueTable_lbl" xml:lang="en-US">Schedule of Financing Receivables Past Due [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_lbl" xml:lang="en-US">Financing Receivable, Recorded Investment, Past Due [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue" xlink:label="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue" xlink:to="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_lbl" xml:lang="en-US">Financing Receivable, Recorded Investment, 30 to 59 Days Past Due</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_lbl" xml:lang="en-US">30-59 Days Past Due</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue" xlink:label="us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue" xlink:to="us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue_lbl" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfImpairedFinancingReceivableTable_lbl" xml:lang="en-US">Schedule of Impaired Financing Receivable [Table]</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" />
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:to="us-gaap_ImpairedFinancingReceivableRecordedInvestment_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivableRecordedInvestment_lbl" xml:lang="en-US">Impaired Financing Receivable, Recorded Investment</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance_lbl" xml:lang="en-US">Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance_lbl" xml:lang="en-US">Unpaid Principal Balance, With no related allowance recorded</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance_lbl" xml:lang="en-US">Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_lbl" xml:lang="en-US">Average Recorded Investment, With no related allowance recorded</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PerformingFinancingReceivableMember_lbl" xml:lang="en-US">Performing Financing Receivable [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PerformingFinancingReceivableMember_lbl" xml:lang="en-US">Performing [Member]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NonperformingFinancingReceivableMember_lbl" xml:lang="en-US">Nonperforming Financing Receivable [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NonperformingFinancingReceivableMember_lbl" xml:lang="en-US">Non-Performing [Member]</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:to="us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_lbl" xml:lang="en-US">Schedule of Financing Receivable, Allowance for Credit Losses [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_lbl" xml:lang="en-US">Financing Receivable, Allowance for Credit Losses [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl" xml:lang="en-US">Financing Receivable, Allowance for Credit Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl" xml:lang="en-US">Ending balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl" xml:lang="en-US">Beginning balance</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_lbl" xml:lang="en-US">Financing Receivable, Allowance for Credit Losses, Charge-offs</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_lbl" xml:lang="en-US">Charge-offs</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery_lbl" xml:lang="en-US">Financing Receivable, Allowance for Credit Losses, Recovery</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery_lbl" xml:lang="en-US">Recoveries</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:to="us-gaap_ProvisionForLoanLeaseAndOtherLosses_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProvisionForLoanLeaseAndOtherLosses_lbl" xml:lang="en-US">Provision for Loan, Lease, and Other Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ProvisionForLoanLeaseAndOtherLosses_lbl" xml:lang="en-US">Provision (credit)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_lbl" xml:lang="en-US">Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_lbl" xml:lang="en-US">Allowance for loan losses, Individually Evaluated for impairment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_lbl" xml:lang="en-US">Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_lbl" xml:lang="en-US">Allowance for loan losses, Collectively Evaluated for impairment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:label="us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment_lbl" xml:lang="en-US">Financing Receivable, Individually Evaluated for Impairment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment_lbl" xml:lang="en-US">Loans, Individually Evaluated for impairment</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment_lbl" xml:lang="en-US">Financing Receivable, Collectively Evaluated for Impairment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment_lbl" xml:lang="en-US">Loans, Collectively Evaluated for impairment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:label="us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_IncomeStatementLocationAxis" xlink:label="us-gaap_IncomeStatementLocationAxis" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeStatementLocationAxis_lbl" xml:lang="en-US">Income Statement Location [Axis]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeStatementLocationDomain_lbl" xml:lang="en-US">Income Statement Location [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncomeStatementLocationDomain_lbl" xml:lang="en-US">Employee Service Share-based Compensation, Allocation of Recognized Period Costs, Report Line [Domain]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_OccupancyAndEquipmentExpenseMember" xlink:label="fisi_OccupancyAndEquipmentExpenseMember" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_OccupancyAndEquipmentExpenseMember_lbl" xml:lang="en-US">Occupancy and Equipment Expense [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_OccupancyAndEquipmentExpenseMember_lbl" xml:lang="en-US">Occupancy And Equipment Expense [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_OccupancyAndEquipmentExpenseMember_lbl" xml:lang="en-US">Occupancy And Equipment Expense [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_LandAndLandImprovementsMember" xlink:label="us-gaap_LandAndLandImprovementsMember" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LandAndLandImprovementsMember_lbl" xml:lang="en-US">Land And Land Improvements [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LandAndLandImprovementsMember_lbl" xml:lang="en-US">Land And Land Improvements [Member]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_BuildingsAndLeaseholdImprovementsMember_lbl" xml:lang="en-US">Buildings And Leasehold Improvements [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_BuildingsAndLeaseholdImprovementsMember_lbl" xml:lang="en-US">Buildings And Leasehold Improvements [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_BuildingsAndLeaseholdImprovementsMember_lbl" xml:lang="en-US">Buildings And Leasehold Improvements [Member]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_FurnitureFixturesEquipmentAndVehiclesMember" xlink:label="fisi_FurnitureFixturesEquipmentAndVehiclesMember" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_FurnitureFixturesEquipmentAndVehiclesMember_lbl" xml:lang="en-US">Furniture, Fixtures, Equipment And Vehicles [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_FurnitureFixturesEquipmentAndVehiclesMember_lbl" xml:lang="en-US">Furniture Fixtures Equipment And Vehicles [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_FurnitureFixturesEquipmentAndVehiclesMember_lbl" xml:lang="en-US">Furniture Fixtures Equipment And Vehicles [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PropertyPlantAndEquipmentLineItems" xlink:label="us-gaap_PropertyPlantAndEquipmentLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentLineItems" xlink:to="us-gaap_PropertyPlantAndEquipmentLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentLineItems_lbl" xml:lang="en-US">Property, Plant and Equipment [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PropertyPlantAndEquipmentGross" xlink:label="us-gaap_PropertyPlantAndEquipmentGross" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentGross" xlink:to="us-gaap_PropertyPlantAndEquipmentGross_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentGross_lbl" xml:lang="en-US">Property, Plant and Equipment, Gross</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentGross_lbl" xml:lang="en-US">Premises and equipment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:to="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_lbl" xml:lang="en-US">Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_lbl" xml:lang="en-US">Accumulated depreciation and amortization</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:label="us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:to="us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_lbl" xml:lang="en-US">Schedule of Finite-Lived Intangible Assets [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:label="us-gaap_FiniteLivedIntangibleAssetsLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:to="us-gaap_FiniteLivedIntangibleAssetsLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FiniteLivedIntangibleAssetsLineItems_lbl" xml:lang="en-US">Finite-Lived Intangible Assets [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_Goodwill" xlink:label="us-gaap_Goodwill" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Goodwill" xlink:to="us-gaap_Goodwill_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Goodwill_lbl" xml:lang="en-US">Goodwill</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_Goodwill_lbl" xml:lang="en-US">Goodwill, ending balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_Goodwill_lbl" xml:lang="en-US">Goodwill, beginning balance</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AmortizationOfIntangibleAssets" xlink:label="us-gaap_AmortizationOfIntangibleAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AmortizationOfIntangibleAssets" xlink:to="us-gaap_AmortizationOfIntangibleAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AmortizationOfIntangibleAssets_lbl" xml:lang="en-US">Amortization of Intangible Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="us-gaap_AmortizationOfIntangibleAssets_lbl" xml:lang="en-US">Amortization during the year</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ScheduleOfGoodwillTable" xlink:label="us-gaap_ScheduleOfGoodwillTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfGoodwillTable" xlink:to="us-gaap_ScheduleOfGoodwillTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfGoodwillTable_lbl" xml:lang="en-US">Schedule of Goodwill [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_GoodwillLineItems" xlink:label="us-gaap_GoodwillLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GoodwillLineItems" xlink:to="us-gaap_GoodwillLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GoodwillLineItems_lbl" xml:lang="en-US">Goodwill [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_GoodwillPeriodIncreaseDecrease" xlink:label="us-gaap_GoodwillPeriodIncreaseDecrease" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GoodwillPeriodIncreaseDecrease" xlink:to="us-gaap_GoodwillPeriodIncreaseDecrease_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GoodwillPeriodIncreaseDecrease_lbl" xml:lang="en-US">Goodwill, Period Increase (Decrease)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_GoodwillPeriodIncreaseDecrease_lbl" xml:lang="en-US">Acquisition</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OtherIntangibleAssetsMember" xlink:label="us-gaap_OtherIntangibleAssetsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherIntangibleAssetsMember" xlink:to="us-gaap_OtherIntangibleAssetsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherIntangibleAssetsMember_lbl" xml:lang="en-US">Other Intangible Assets [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherIntangibleAssetsMember_lbl" xml:lang="en-US">Other Intangible Assets [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsGross" xlink:label="us-gaap_FiniteLivedIntangibleAssetsGross" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FiniteLivedIntangibleAssetsGross" xlink:to="us-gaap_FiniteLivedIntangibleAssetsGross_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FiniteLivedIntangibleAssetsGross_lbl" xml:lang="en-US">Finite-Lived Intangible Assets, Gross</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FiniteLivedIntangibleAssetsGross_lbl" xml:lang="en-US">Gross carrying amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:to="us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_lbl" xml:lang="en-US">Finite-Lived Intangible Assets, Accumulated Amortization</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_lbl" xml:lang="en-US">Accumulated amortization</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsNet" xlink:label="us-gaap_FiniteLivedIntangibleAssetsNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FiniteLivedIntangibleAssetsNet" xlink:to="us-gaap_FiniteLivedIntangibleAssetsNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FiniteLivedIntangibleAssetsNet_lbl" xml:lang="en-US">Finite-Lived Intangible Assets, Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_FiniteLivedIntangibleAssetsNet_lbl" xml:lang="en-US">Net carrying value at end of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FiniteLivedIntangibleAssetsNet_lbl" xml:lang="en-US">Other intangible assets, net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" xlink:to="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_lbl" xml:lang="en-US">Finite-Lived Intangible Assets, Amortization Expense, Next Twelve Months</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_lbl" xml:lang="en-US">2016</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:to="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_lbl" xml:lang="en-US">Finite-Lived Intangible Assets, Amortization Expense, Year Two</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_lbl" xml:lang="en-US">2017</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" xlink:to="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_lbl" xml:lang="en-US">Finite-Lived Intangible Assets, Amortization Expense, Year Three</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_lbl" xml:lang="en-US">2018</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour" xlink:to="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_lbl" xml:lang="en-US">Finite-Lived Intangible Assets, Amortization Expense, Year Four</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_lbl" xml:lang="en-US">2019</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive" xlink:to="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive_lbl" xml:lang="en-US">Finite-Lived Intangible Assets, Amortization Expense, Year Five</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive_lbl" xml:lang="en-US">2020</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TimeDeposits100000OrMore" xlink:label="us-gaap_TimeDeposits100000OrMore" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDeposits100000OrMore" xlink:to="us-gaap_TimeDeposits100000OrMore_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TimeDeposits100000OrMore_lbl" xml:lang="en-US">Time Deposits, $100,000 or More</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TimeDeposits100000OrMore_lbl" xml:lang="en-US">Time deposits, $250,000 or more</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TimeDepositMaturitiesYearOne" xlink:label="us-gaap_TimeDepositMaturitiesYearOne" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositMaturitiesYearOne" xlink:to="us-gaap_TimeDepositMaturitiesYearOne_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TimeDepositMaturitiesYearOne_lbl" xml:lang="en-US">Time Deposit Maturities, Next Twelve Months</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TimeDepositMaturitiesYearOne_lbl" xml:lang="en-US">Certificates of deposit, due: Within one year</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TimeDepositMaturitiesYearTwo" xlink:label="us-gaap_TimeDepositMaturitiesYearTwo" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositMaturitiesYearTwo" xlink:to="us-gaap_TimeDepositMaturitiesYearTwo_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TimeDepositMaturitiesYearTwo_lbl" xml:lang="en-US">Time Deposit Maturities, Year Two</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TimeDepositMaturitiesYearTwo_lbl" xml:lang="en-US">Certificates of deposit, due: One to two years</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TimeDepositMaturitiesYearThree" xlink:label="us-gaap_TimeDepositMaturitiesYearThree" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositMaturitiesYearThree" xlink:to="us-gaap_TimeDepositMaturitiesYearThree_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TimeDepositMaturitiesYearThree_lbl" xml:lang="en-US">Time Deposit Maturities, Year Three</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TimeDepositMaturitiesYearThree_lbl" xml:lang="en-US">Certificates of deposit, due: Two to three years</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFour" xlink:label="us-gaap_TimeDepositMaturitiesYearFour" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositMaturitiesYearFour" xlink:to="us-gaap_TimeDepositMaturitiesYearFour_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TimeDepositMaturitiesYearFour_lbl" xml:lang="en-US">Time Deposit Maturities, Year Four</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TimeDepositMaturitiesYearFour_lbl" xml:lang="en-US">Certificates of deposit, due: Three to five years</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:label="us-gaap_TimeDepositMaturitiesAfterYearFive" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:to="us-gaap_TimeDepositMaturitiesAfterYearFive_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TimeDepositMaturitiesAfterYearFive_lbl" xml:lang="en-US">Time Deposit Maturities, after Year Five</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TimeDepositMaturitiesAfterYearFive_lbl" xml:lang="en-US">Certificates of deposit, due: Thereafter</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_InterestExpenseDemandDepositAccounts" xlink:label="us-gaap_InterestExpenseDemandDepositAccounts" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseDemandDepositAccounts" xlink:to="us-gaap_InterestExpenseDemandDepositAccounts_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpenseDemandDepositAccounts_lbl" xml:lang="en-US">Interest Expense, Demand Deposit Accounts</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpenseDemandDepositAccounts_lbl" xml:lang="en-US">Interest-bearing demand</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_InterestExpenseSavingsDeposits" xlink:label="us-gaap_InterestExpenseSavingsDeposits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseSavingsDeposits" xlink:to="us-gaap_InterestExpenseSavingsDeposits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpenseSavingsDeposits_lbl" xml:lang="en-US">Interest Expense, Savings Deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpenseSavingsDeposits_lbl" xml:lang="en-US">Savings and money market</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_InterestExpenseTimeDeposits" xlink:label="us-gaap_InterestExpenseTimeDeposits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseTimeDeposits" xlink:to="us-gaap_InterestExpenseTimeDeposits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpenseTimeDeposits_lbl" xml:lang="en-US">Interest Expense, Time Deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpenseTimeDeposits_lbl" xml:lang="en-US">Time deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ScheduleOfShortTermDebtTable" xlink:label="us-gaap_ScheduleOfShortTermDebtTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfShortTermDebtTable" xlink:to="us-gaap_ScheduleOfShortTermDebtTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfShortTermDebtTable_lbl" xml:lang="en-US">Schedule of Short-term Debt [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShortTermDebtTypeAxis" xlink:label="us-gaap_ShortTermDebtTypeAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShortTermDebtTypeAxis" xlink:to="us-gaap_ShortTermDebtTypeAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShortTermDebtTypeAxis_lbl" xml:lang="en-US">Short-term Debt, Type [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShortTermDebtTypeDomain" xlink:label="us-gaap_ShortTermDebtTypeDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShortTermDebtTypeDomain" xlink:to="us-gaap_ShortTermDebtTypeDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShortTermDebtTypeDomain_lbl" xml:lang="en-US">Short Term Debt Type [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShortTermDebtTypeDomain_lbl" xml:lang="en-US">Short Term Debt Type [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMember" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankAdvancesMember" xlink:to="us-gaap_FederalHomeLoanBankAdvancesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMember_lbl" xml:lang="en-US">Federal Home Loan Bank Advances [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMember_lbl" xml:lang="en-US">Federal Home Loan Bank Advances [Member]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_FederalHomeLoanBankOvernightBorrowingsMember" xlink:label="fisi_FederalHomeLoanBankOvernightBorrowingsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_FederalHomeLoanBankOvernightBorrowingsMember" xlink:to="fisi_FederalHomeLoanBankOvernightBorrowingsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_FederalHomeLoanBankOvernightBorrowingsMember_lbl" xml:lang="en-US">Federal Home Loan Bank Overnight Borrowings [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_FederalHomeLoanBankOvernightBorrowingsMember_lbl" xml:lang="en-US">Federal Home Loan Bank Overnight Borrowings [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_FederalHomeLoanBankOvernightBorrowingsMember_lbl" xml:lang="en-US">Federal Home Loan Bank Overnight Borrowings [Member]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_FederalHomeLoanBorrowingsShortTermAdvancesMember" xlink:label="fisi_FederalHomeLoanBorrowingsShortTermAdvancesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_FederalHomeLoanBorrowingsShortTermAdvancesMember" xlink:to="fisi_FederalHomeLoanBorrowingsShortTermAdvancesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_FederalHomeLoanBorrowingsShortTermAdvancesMember_lbl" xml:lang="en-US">Federal Home Loan Bank Borrowings Short Term Advances [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_FederalHomeLoanBorrowingsShortTermAdvancesMember_lbl" xml:lang="en-US">Federal Home Loan Borrowings Short Term Advances [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_FederalHomeLoanBorrowingsShortTermAdvancesMember_lbl" xml:lang="en-US">Federal Home Loan Borrowings Short Term Advances [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShortTermDebtLineItems" xlink:label="us-gaap_ShortTermDebtLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShortTermDebtLineItems" xlink:to="us-gaap_ShortTermDebtLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShortTermDebtLineItems_lbl" xml:lang="en-US">Short-term Debt [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShortTermDebtWeightedAverageInterestRate" xlink:label="us-gaap_ShortTermDebtWeightedAverageInterestRate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShortTermDebtWeightedAverageInterestRate" xlink:to="us-gaap_ShortTermDebtWeightedAverageInterestRate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShortTermDebtWeightedAverageInterestRate_lbl" xml:lang="en-US">Short-term Debt, Weighted Average Interest Rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShortTermDebtWeightedAverageInterestRate_lbl" xml:lang="en-US">Short-term borrowings, weighted average rate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DebtIssuanceCosts" xlink:label="us-gaap_DebtIssuanceCosts" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtIssuanceCosts" xlink:to="us-gaap_DebtIssuanceCosts_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtIssuanceCosts_lbl" xml:lang="en-US">Debt Issuance Cost</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DebtIssuanceCosts_lbl" xml:lang="en-US">Cost related to issuance of debt</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ProceedsFromDebtNetOfIssuanceCosts" xlink:label="us-gaap_ProceedsFromDebtNetOfIssuanceCosts" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromDebtNetOfIssuanceCosts" xlink:to="us-gaap_ProceedsFromDebtNetOfIssuanceCosts_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromDebtNetOfIssuanceCosts_lbl" xml:lang="en-US">Proceeds from Debt, Net of Issuance Costs</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromDebtNetOfIssuanceCosts_lbl" xml:lang="en-US">Proceeds from issuance of debt, net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:label="us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:to="us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_lbl" xml:lang="en-US">Debt Instrument, Basis Spread on Variable Rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_lbl" xml:lang="en-US">Spread on variable rate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DebtInstrumentFaceAmount" xlink:label="us-gaap_DebtInstrumentFaceAmount" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentFaceAmount" xlink:to="us-gaap_DebtInstrumentFaceAmount_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentFaceAmount_lbl" xml:lang="en-US">Debt Instrument, Face Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DebtInstrumentFaceAmount_lbl" xml:lang="en-US">Principal amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DebtInstrumentFaceAmount_lbl" xml:lang="en-US">Long-term borrowings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:label="us-gaap_DebtInstrumentInterestRateStatedPercentage" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:to="us-gaap_DebtInstrumentInterestRateStatedPercentage_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentInterestRateStatedPercentage_lbl" xml:lang="en-US">Debt Instrument, Interest Rate, Stated Percentage</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DebtInstrumentInterestRateStatedPercentage_lbl" xml:lang="en-US">Interest rate</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_DebtInstrumentNumberOfYearsAtStatedRate" xlink:label="fisi_DebtInstrumentNumberOfYearsAtStatedRate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_DebtInstrumentNumberOfYearsAtStatedRate" xlink:to="fisi_DebtInstrumentNumberOfYearsAtStatedRate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_DebtInstrumentNumberOfYearsAtStatedRate_lbl" xml:lang="en-US">Debt Instrument, Number of Years at Stated rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_DebtInstrumentNumberOfYearsAtStatedRate_lbl" xml:lang="en-US">Debt Instrument, Number of Years at Stated rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_DebtInstrumentNumberOfYearsAtStatedRate_lbl" xml:lang="en-US">Number of years at stated rate</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_DebtIssuanceCostAmortizationPeriod" xlink:label="fisi_DebtIssuanceCostAmortizationPeriod" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_DebtIssuanceCostAmortizationPeriod" xlink:to="fisi_DebtIssuanceCostAmortizationPeriod_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_DebtIssuanceCostAmortizationPeriod_lbl" xml:lang="en-US">Debt Issuance Cost Amortization Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_DebtIssuanceCostAmortizationPeriod_lbl" xml:lang="en-US">Debt Issuance Cost Amortization Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_DebtIssuanceCostAmortizationPeriod_lbl" xml:lang="en-US">Debt issuance cost amortization period</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_RepurchaseAgreementsMember" xlink:label="us-gaap_RepurchaseAgreementsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RepurchaseAgreementsMember" xlink:to="us-gaap_RepurchaseAgreementsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RepurchaseAgreementsMember_lbl" xml:lang="en-US">Repurchase Agreements [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_RepurchaseAgreementsMember_lbl" xml:lang="en-US">Repurchase Agreements [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_SubordinatedDebt" xlink:label="us-gaap_SubordinatedDebt" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SubordinatedDebt" xlink:to="us-gaap_SubordinatedDebt_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SubordinatedDebt_lbl" xml:lang="en-US">Subordinated Debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SubordinatedDebt_lbl" xml:lang="en-US">Subordinated notes, net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DebtLongtermAndShorttermCombinedAmount" xlink:label="us-gaap_DebtLongtermAndShorttermCombinedAmount" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtLongtermAndShorttermCombinedAmount" xlink:to="us-gaap_DebtLongtermAndShorttermCombinedAmount_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtLongtermAndShorttermCombinedAmount_lbl" xml:lang="en-US">Debt, Long-term and Short-term, Combined Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_DebtLongtermAndShorttermCombinedAmount_lbl" xml:lang="en-US">Total borrowings</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_ForwardSalesCommitments" xlink:label="fisi_ForwardSalesCommitments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_ForwardSalesCommitments" xlink:to="fisi_ForwardSalesCommitments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_ForwardSalesCommitments_lbl" xml:lang="en-US">Commitments to sell residential real estate loans.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_ForwardSalesCommitments_lbl" xml:lang="en-US">Forward sales commitments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_LeaseAndRentalExpense" xlink:label="us-gaap_LeaseAndRentalExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LeaseAndRentalExpense" xlink:to="us-gaap_LeaseAndRentalExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LeaseAndRentalExpense_lbl" xml:lang="en-US">Operating Leases, Rent Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LeaseAndRentalExpense_lbl" xml:lang="en-US">Rent expense</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable" xlink:label="us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable" xlink:to="us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable_lbl" xml:lang="en-US">Schedule of Fair Value, Off-balance Sheet Risks [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FinancialInstrumentAxis" xlink:label="us-gaap_FinancialInstrumentAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancialInstrumentAxis" xlink:to="us-gaap_FinancialInstrumentAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancialInstrumentAxis_lbl" xml:lang="en-US">Fair Value, Off-balance Sheet Risks by Financial Instrument [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:to="us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_lbl" xml:lang="en-US">Transfers And Servicing Of Financial Instruments Types Of Financial Instruments [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_lbl" xml:lang="en-US">Fair Value, Off-balance Sheet Risks, Financial Instruments [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_CommitmentsToExtendCreditMember" xlink:label="us-gaap_CommitmentsToExtendCreditMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommitmentsToExtendCreditMember" xlink:to="us-gaap_CommitmentsToExtendCreditMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommitmentsToExtendCreditMember_lbl" xml:lang="en-US">Commitments To Extend Credit [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommitmentsToExtendCreditMember_lbl" xml:lang="en-US">Commitments To Extend Credit [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_StandbyLettersOfCreditMember" xlink:label="us-gaap_StandbyLettersOfCreditMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StandbyLettersOfCreditMember" xlink:to="us-gaap_StandbyLettersOfCreditMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StandbyLettersOfCreditMember_lbl" xml:lang="en-US">Standby Letters Of Credit [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StandbyLettersOfCreditMember_lbl" xml:lang="en-US">Standby Letters Of Credit [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems" xlink:label="us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems" xlink:to="us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems_lbl" xml:lang="en-US">Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:to="us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_lbl" xml:lang="en-US">Operating Leases, Future Minimum Payments Due, Next Twelve Months</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_lbl" xml:lang="en-US">2016</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:to="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_lbl" xml:lang="en-US">Operating Leases, Future Minimum Payments, Due in Two Years</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_lbl" xml:lang="en-US">2017</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:to="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_lbl" xml:lang="en-US">Operating Leases, Future Minimum Payments, Due in Three Years</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_lbl" xml:lang="en-US">2018</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:to="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_lbl" xml:lang="en-US">Operating Leases, Future Minimum Payments, Due in Four Years</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_lbl" xml:lang="en-US">2019</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" xlink:to="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears_lbl" xml:lang="en-US">Operating Leases, Future Minimum Payments, Due in Five Years</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears_lbl" xml:lang="en-US">2020</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter" xlink:to="us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter_lbl" xml:lang="en-US">Operating Leases, Future Minimum Payments, Due Thereafter</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter_lbl" xml:lang="en-US">Thereafter</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDue" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDue" xlink:to="us-gaap_OperatingLeasesFutureMinimumPaymentsDue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDue_lbl" xml:lang="en-US">Operating Leases, Future Minimum Payments Due</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDue_lbl" xml:lang="en-US">Lease obligations, total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:label="us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:to="us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_lbl" xml:lang="en-US">Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_LegalEntityAxis" xlink:label="dei_LegalEntityAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LegalEntityAxis" xlink:to="dei_LegalEntityAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_LegalEntityAxis_lbl" xml:lang="en-US">Legal Entity [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityDomain" xlink:label="dei_EntityDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityDomain" xlink:to="dei_EntityDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityDomain_lbl" xml:lang="en-US">Entity [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityDomain_lbl" xml:lang="en-US">Entity [Domain]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_FederalReserveBankOfNewYorkMember" xlink:label="fisi_FederalReserveBankOfNewYorkMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_FederalReserveBankOfNewYorkMember" xlink:to="fisi_FederalReserveBankOfNewYorkMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_FederalReserveBankOfNewYorkMember_lbl" xml:lang="en-US">Federal Reserve Bank Of New York [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_FederalReserveBankOfNewYorkMember_lbl" xml:lang="en-US">Federal Reserve Bank Of New York [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_FederalReserveBankOfNewYorkMember_lbl" xml:lang="en-US">Federal Reserve Bank Of New York [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:label="us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:to="us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_lbl" xml:lang="en-US">Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TierOneRiskBasedCapital" xlink:label="us-gaap_TierOneRiskBasedCapital" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapital" xlink:to="us-gaap_TierOneRiskBasedCapital_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneRiskBasedCapital_lbl" xml:lang="en-US">Tier One Risk Based Capital</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneRiskBasedCapital_lbl" xml:lang="en-US">Tier 1 capital, Actual Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_TierOneRiskBasedCapital_lbl" xml:lang="en-US">Tier 1 capital</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TierTwoRiskBasedCapital" xlink:label="us-gaap_TierTwoRiskBasedCapital" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierTwoRiskBasedCapital" xlink:to="us-gaap_TierTwoRiskBasedCapital_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierTwoRiskBasedCapital_lbl" xml:lang="en-US">Tier Two Risk Based Capital</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierTwoRiskBasedCapital_lbl" xml:lang="en-US">Tier 2 capital</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalents" xlink:label="us-gaap_RestrictedCashAndCashEquivalents" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RestrictedCashAndCashEquivalents" xlink:to="us-gaap_RestrictedCashAndCashEquivalents_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RestrictedCashAndCashEquivalents_lbl" xml:lang="en-US">Restricted Cash and Cash Equivalents</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_RestrictedCashAndCashEquivalents_lbl" xml:lang="en-US">Reserve requirement</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_CapitalConservationBuffer" xlink:label="fisi_CapitalConservationBuffer" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_CapitalConservationBuffer" xlink:to="fisi_CapitalConservationBuffer_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_CapitalConservationBuffer_lbl" xml:lang="en-US">Capital Conservation Buffer</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_CapitalConservationBuffer_lbl" xml:lang="en-US">Capital Conservation Buffer</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_CapitalConservationBuffer_lbl" xml:lang="en-US">Capital Conservation Buffer</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TangibleCapitalRequiredForCapitalAdequacyToTangibleAssets" xlink:label="us-gaap_TangibleCapitalRequiredForCapitalAdequacyToTangibleAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TangibleCapitalRequiredForCapitalAdequacyToTangibleAssets" xlink:to="us-gaap_TangibleCapitalRequiredForCapitalAdequacyToTangibleAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TangibleCapitalRequiredForCapitalAdequacyToTangibleAssets_lbl" xml:lang="en-US">Tangible Capital Required for Capital Adequacy to Tangible Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TangibleCapitalRequiredForCapitalAdequacyToTangibleAssets_lbl" xml:lang="en-US">CET1 capital, For Capital Adequacy Purposes, Ratio</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl" xml:lang="en-US">Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl" xml:lang="en-US">Tier 1 capital, For Capital Adequacy Purposes, Ratio</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:label="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:to="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl" xml:lang="en-US">Capital Required for Capital Adequacy to Risk Weighted Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl" xml:lang="en-US">Total risk-based capital, For Capital Adequacy Purposes, Ratio</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_lbl" xml:lang="en-US">Tier One Leverage Capital Required for Capital Adequacy to Average Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_lbl" xml:lang="en-US">Tier 1 leverage, For Capital Adequacy Purposes, Ratio</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ParentCompanyMember" xlink:label="us-gaap_ParentCompanyMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ParentCompanyMember" xlink:to="us-gaap_ParentCompanyMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ParentCompanyMember_lbl" xml:lang="en-US">Parent Company [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ParentCompanyMember_lbl" xml:lang="en-US">Parent Company [Member]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_BankMember" xlink:label="fisi_BankMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_BankMember" xlink:to="fisi_BankMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_BankMember_lbl" xml:lang="en-US">Bank [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_BankMember_lbl" xml:lang="en-US">Bank [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_BankMember_lbl" xml:lang="en-US">Bank [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TierOneLeverageCapital" xlink:label="us-gaap_TierOneLeverageCapital" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapital" xlink:to="us-gaap_TierOneLeverageCapital_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneLeverageCapital_lbl" xml:lang="en-US">Tier One Leverage Capital</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneLeverageCapital_lbl" xml:lang="en-US">Tier 1 leverage, Actual Amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:label="us-gaap_TierOneLeverageCapitalToAverageAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:to="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl" xml:lang="en-US">Tier One Leverage Capital to Average Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl" xml:lang="en-US">Tier 1 leverage, Actual Ratio</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:to="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_lbl" xml:lang="en-US">Tier One Leverage Capital Required for Capital Adequacy</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_lbl" xml:lang="en-US">Tier 1 leverage, For Capital Adequacy Purposes, Amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:to="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_lbl" xml:lang="en-US">Tier One Leverage Capital Required to be Well Capitalized</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_lbl" xml:lang="en-US">Tier 1 leverage, Well Capitalized, Amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:to="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_lbl" xml:lang="en-US">Tier One Leverage Capital Required to be Well Capitalized to Average Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_lbl" xml:lang="en-US">Tier 1 leverage, Well Capitalized, Ratio</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TangibleCapital" xlink:label="us-gaap_TangibleCapital" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TangibleCapital" xlink:to="us-gaap_TangibleCapital_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TangibleCapital_lbl" xml:lang="en-US">Tangible Capital</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TangibleCapital_lbl" xml:lang="en-US">CET1 capital, Actual Amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TangibleCapitalToTangibleAssets" xlink:label="us-gaap_TangibleCapitalToTangibleAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TangibleCapitalToTangibleAssets" xlink:to="us-gaap_TangibleCapitalToTangibleAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TangibleCapitalToTangibleAssets_lbl" xml:lang="en-US">Tangible Capital to Tangible Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TangibleCapitalToTangibleAssets_lbl" xml:lang="en-US">CET1 capital, Actual Ratio</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TangibleCapitalRequiredForCapitalAdequacy" xlink:label="us-gaap_TangibleCapitalRequiredForCapitalAdequacy" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TangibleCapitalRequiredForCapitalAdequacy" xlink:to="us-gaap_TangibleCapitalRequiredForCapitalAdequacy_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TangibleCapitalRequiredForCapitalAdequacy_lbl" xml:lang="en-US">Tangible Capital Required for Capital Adequacy</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TangibleCapitalRequiredForCapitalAdequacy_lbl" xml:lang="en-US">CET1 capital, For Capital Adequacy Purposes, Amount</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_TangibleCapitalRequiredToBeWellCapitalized" xlink:label="fisi_TangibleCapitalRequiredToBeWellCapitalized" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_TangibleCapitalRequiredToBeWellCapitalized" xlink:to="fisi_TangibleCapitalRequiredToBeWellCapitalized_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_TangibleCapitalRequiredToBeWellCapitalized_lbl" xml:lang="en-US">Tangible Capital Required to be Well Capitalized</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_TangibleCapitalRequiredToBeWellCapitalized_lbl" xml:lang="en-US">Tangible Capital Required to be Well Capitalized</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_TangibleCapitalRequiredToBeWellCapitalized_lbl" xml:lang="en-US">CET1 capital, Well Capitalized, Amount</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_TangibleCapitalRequiredToBeWellCapitalizedToTangibleAssets" xlink:label="fisi_TangibleCapitalRequiredToBeWellCapitalizedToTangibleAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_TangibleCapitalRequiredToBeWellCapitalizedToTangibleAssets" xlink:to="fisi_TangibleCapitalRequiredToBeWellCapitalizedToTangibleAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_TangibleCapitalRequiredToBeWellCapitalizedToTangibleAssets_lbl" xml:lang="en-US">Tangible Capital Required to be Well Capitalized, to Tangible Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_TangibleCapitalRequiredToBeWellCapitalizedToTangibleAssets_lbl" xml:lang="en-US">Tangible Capital Required to be Well Capitalized, to Tangible Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_TangibleCapitalRequiredToBeWellCapitalizedToTangibleAssets_lbl" xml:lang="en-US">CET1 capital, Well Capitalized, Ratio</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:label="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:to="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl" xml:lang="en-US">Tier One Risk Based Capital to Risk Weighted Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl" xml:lang="en-US">Tier 1 capital, Actual Ratio</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl" xml:lang="en-US">Tier One Risk Based Capital Required for Capital Adequacy</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl" xml:lang="en-US">Tier 1 capital, For Capital Adequacy Purposes, Amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl" xml:lang="en-US">Tier One Risk Based Capital Required to be Well Capitalized</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl" xml:lang="en-US">Tier 1 capital, Well Capitalized, Amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" xml:lang="en-US">Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" xml:lang="en-US">Tier 1 capital, Well Capitalized, Ratio</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_Capital" xlink:label="us-gaap_Capital" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Capital" xlink:to="us-gaap_Capital_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Capital_lbl" xml:lang="en-US">Capital</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_Capital_lbl" xml:lang="en-US">Total risk-based capital, Actual Amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_CapitalToRiskWeightedAssets" xlink:label="us-gaap_CapitalToRiskWeightedAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CapitalToRiskWeightedAssets" xlink:to="us-gaap_CapitalToRiskWeightedAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CapitalToRiskWeightedAssets_lbl" xml:lang="en-US">Capital to Risk Weighted Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CapitalToRiskWeightedAssets_lbl" xml:lang="en-US">Total risk-based capital, Actual Ratio</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacy" xlink:label="us-gaap_CapitalRequiredForCapitalAdequacy" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CapitalRequiredForCapitalAdequacy" xlink:to="us-gaap_CapitalRequiredForCapitalAdequacy_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CapitalRequiredForCapitalAdequacy_lbl" xml:lang="en-US">Capital Required for Capital Adequacy</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CapitalRequiredForCapitalAdequacy_lbl" xml:lang="en-US">Total risk-based capital, For Capital Adequacy Purposes, Amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalized" xlink:label="us-gaap_CapitalRequiredToBeWellCapitalized" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CapitalRequiredToBeWellCapitalized" xlink:to="us-gaap_CapitalRequiredToBeWellCapitalized_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CapitalRequiredToBeWellCapitalized_lbl" xml:lang="en-US">Capital Required to be Well Capitalized</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CapitalRequiredToBeWellCapitalized_lbl" xml:lang="en-US">Total risk-based capital, Well Capitalized, Amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:label="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:to="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" xml:lang="en-US">Capital Required to be Well Capitalized to Risk Weighted Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" xml:lang="en-US">Total risk-based capital, Well Capitalized, Ratio</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_ShareholdersEquityTable" xlink:label="fisi_ShareholdersEquityTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_ShareholdersEquityTable" xlink:to="fisi_ShareholdersEquityTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_ShareholdersEquityTable_lbl" xml:lang="en-US">Shareholders Equity [Table]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_ShareholdersEquityTable_lbl" xml:lang="en-US">Shareholders Equity [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PreferredClassAMember" xlink:label="us-gaap_PreferredClassAMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredClassAMember" xlink:to="us-gaap_PreferredClassAMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredClassAMember_lbl" xml:lang="en-US">Preferred Class A [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PreferredClassAMember_lbl" xml:lang="en-US">Preferred Class A [Member]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_SeriesaThreePercentPreferredStockMember" xlink:label="fisi_SeriesaThreePercentPreferredStockMember" />
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    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_ManagementStockIncentivePlanMember" xlink:label="fisi_ManagementStockIncentivePlanMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_ManagementStockIncentivePlanMember" xlink:to="fisi_ManagementStockIncentivePlanMember_lbl" />
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    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_DirectorStockIncentivePlanMember" xlink:label="fisi_DirectorStockIncentivePlanMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_DirectorStockIncentivePlanMember" xlink:to="fisi_DirectorStockIncentivePlanMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_DirectorStockIncentivePlanMember_lbl" xml:lang="en-US">Director Stock Incentive Plan [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_DirectorStockIncentivePlanMember_lbl" xml:lang="en-US">Director Stock Incentive Plan [Member]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_LongTermIncentivePlan2015Member_lbl" xml:lang="en-US">2015 Long-Term Incentive Plan [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_LongTermIncentivePlan2015Member_lbl" xml:lang="en-US">Long Term Incentive Plan2015 [Member]</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AwardTypeAxis" xlink:to="us-gaap_AwardTypeAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AwardTypeAxis_lbl" xml:lang="en-US">Schedule of Share-based Compensation Arrangement by Share-based Payment Award, Award Type and Plan Name [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:label="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_lbl" xml:lang="en-US">Share Based Compensation Arrangements By Share Based Payment Award Award Type And Plan Name [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_lbl" xml:lang="en-US">Share-based Compensation Arrangements by Share-based Payment Award, Award Type and Plan Name [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_RestrictedStockMember" xlink:label="us-gaap_RestrictedStockMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RestrictedStockMember" xlink:to="us-gaap_RestrictedStockMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RestrictedStockMember_lbl" xml:lang="en-US">Restricted Stock [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_RestrictedStockMember_lbl" xml:lang="en-US">Restricted Stock Awards [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_StatementScenarioAxis" xlink:label="us-gaap_StatementScenarioAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementScenarioAxis" xlink:to="us-gaap_StatementScenarioAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StatementScenarioAxis_lbl" xml:lang="en-US">Statement, Scenario [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ScenarioUnspecifiedDomain" xlink:label="us-gaap_ScenarioUnspecifiedDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScenarioUnspecifiedDomain" xlink:to="us-gaap_ScenarioUnspecifiedDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScenarioUnspecifiedDomain_lbl" xml:lang="en-US">Scenario Unspecified [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ScenarioUnspecifiedDomain_lbl" xml:lang="en-US">Scenario, Unspecified [Domain]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_EarningsPerSharePerformanceRequirementMember" xlink:label="fisi_EarningsPerSharePerformanceRequirementMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_EarningsPerSharePerformanceRequirementMember" xlink:to="fisi_EarningsPerSharePerformanceRequirementMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_EarningsPerSharePerformanceRequirementMember_lbl" xml:lang="en-US">Earnings Per Share Performance Requirement [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_EarningsPerSharePerformanceRequirementMember_lbl" xml:lang="en-US">Earnings Per Share Performance Requirement [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_EarningsPerSharePerformanceRequirementMember_lbl" xml:lang="en-US">EPS Performance Requirement [Member]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_RelativeTotalShareholderReturnPerformanceRequirementMember" xlink:label="fisi_RelativeTotalShareholderReturnPerformanceRequirementMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_RelativeTotalShareholderReturnPerformanceRequirementMember" xlink:to="fisi_RelativeTotalShareholderReturnPerformanceRequirementMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_RelativeTotalShareholderReturnPerformanceRequirementMember_lbl" xml:lang="en-US">Relative Total Shareholder Return Performance Requirement [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_RelativeTotalShareholderReturnPerformanceRequirementMember_lbl" xml:lang="en-US">Relative Total Shareholder Return Performance Requirement [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_RelativeTotalShareholderReturnPerformanceRequirementMember_lbl" xml:lang="en-US">TSR Performance Requirement [Member]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_VestedImmediatelyMember" xlink:label="fisi_VestedImmediatelyMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_VestedImmediatelyMember" xlink:to="fisi_VestedImmediatelyMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_VestedImmediatelyMember_lbl" xml:lang="en-US">Vested Immediately [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_VestedImmediatelyMember_lbl" xml:lang="en-US">Vested Immediately [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_VestedImmediatelyMember_lbl" xml:lang="en-US">Vested Immediately [Member]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_VestedAfterCompletionOfOneYearServiceRequirementMember" xlink:label="fisi_VestedAfterCompletionOfOneYearServiceRequirementMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_VestedAfterCompletionOfOneYearServiceRequirementMember" xlink:to="fisi_VestedAfterCompletionOfOneYearServiceRequirementMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_VestedAfterCompletionOfOneYearServiceRequirementMember_lbl" xml:lang="en-US">Vested After Completion of One Year Service Requirement [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_VestedAfterCompletionOfOneYearServiceRequirementMember_lbl" xml:lang="en-US">Vested After Completion Of One Year Service Requirement [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_VestedAfterCompletionOfOneYearServiceRequirementMember_lbl" xml:lang="en-US">Vested After Completion of One-Year Service Requirement [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross_lbl" xml:lang="en-US">Granted, Number of Options</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross_lbl" xml:lang="en-US">Stock options awarded</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_lbl" xml:lang="en-US">Granted, Number of Shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_lbl" xml:lang="en-US">Restricted shares of common stock awarded</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_lbl" xml:lang="en-US">Grant date fair value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_lbl" xml:lang="en-US">Granted, Weighted Average Market Price at Grant Date</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesIssuedForServices" xlink:label="us-gaap_StockIssuedDuringPeriodSharesIssuedForServices" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodSharesIssuedForServices" xlink:to="us-gaap_StockIssuedDuringPeriodSharesIssuedForServices_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockIssuedDuringPeriodSharesIssuedForServices_lbl" xml:lang="en-US">Stock Issued During Period, Shares, Issued for Services</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockIssuedDuringPeriodSharesIssuedForServices_lbl" xml:lang="en-US">Shares issued in lieu of cash</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_NumberOfNonEmployeeDirectors" xlink:label="fisi_NumberOfNonEmployeeDirectors" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_NumberOfNonEmployeeDirectors" xlink:to="fisi_NumberOfNonEmployeeDirectors_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_NumberOfNonEmployeeDirectors_lbl" xml:lang="en-US">Number of Non-Employee Directors</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_NumberOfNonEmployeeDirectors_lbl" xml:lang="en-US">Number of Non-Employee Directors</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_NumberOfNonEmployeeDirectors_lbl" xml:lang="en-US">Number of non-employee directors</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_lbl" xml:lang="en-US">Maximum number of grants authorized</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_lbl" xml:lang="en-US">Shares available for grant</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationPeriod" xlink:to="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationPeriod_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationPeriod_lbl" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Expiration Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationPeriod_lbl" xml:lang="en-US">Share-Based Compensation Arrangement By Share-Based Payment Award, Expiration Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationPeriod_lbl" xml:lang="en-US">Expiration period</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_lbl" xml:lang="en-US">Award vesting period</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageDateOfGrant" xlink:label="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageDateOfGrant" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageDateOfGrant" xlink:to="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageDateOfGrant_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageDateOfGrant_lbl" xml:lang="en-US">Share based compensation arrangement by share based payment award, award vesting percentage, date of grant.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageDateOfGrant_lbl" xml:lang="en-US">Share based compensation arrangement by share based payment award award vesting percentage date of grant</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageDateOfGrant_lbl" xml:lang="en-US">Vesting percentage, date of grant</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageOneYearFromDateOfGrant" xlink:label="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageOneYearFromDateOfGrant" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageOneYearFromDateOfGrant" xlink:to="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageOneYearFromDateOfGrant_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageOneYearFromDateOfGrant_lbl" xml:lang="en-US">Share based compensation arrangement by share based payment award, award vesting percentage, one year from date of grant.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageOneYearFromDateOfGrant_lbl" xml:lang="en-US">Share based compensation arrangement by share based payment award award vesting percentage one year from date of grant</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageOneYearFromDateOfGrant_lbl" xml:lang="en-US">Vesting percentage, one year from date of grant</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageCurrentFiscalYearEnd" xlink:label="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageCurrentFiscalYearEnd" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageCurrentFiscalYearEnd" xlink:to="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageCurrentFiscalYearEnd_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageCurrentFiscalYearEnd_lbl" xml:lang="en-US">Share based compensation arrangement by share based payment award, award vesting percentage, current fiscal year end</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageCurrentFiscalYearEnd_lbl" xml:lang="en-US">Share Based Compensation Arrangement By Share Based Payment Award Award Vesting Percentage Current Fiscal Year End</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageCurrentFiscalYearEnd_lbl" xml:lang="en-US">EPS percentage of award, one year performance period</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageThreeYearPerformancePeriod" xlink:label="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageThreeYearPerformancePeriod" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageThreeYearPerformancePeriod" xlink:to="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageThreeYearPerformancePeriod_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageThreeYearPerformancePeriod_lbl" xml:lang="en-US">Share Based Compensation Arrangement By Share Based Payment Award, Award Vesting Percentage, Three Year Performance Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageThreeYearPerformancePeriod_lbl" xml:lang="en-US">Share Based Compensation Arrangement By Share Based Payment Award Award Vesting Percentage Three Year Performance Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageThreeYearPerformancePeriod_lbl" xml:lang="en-US">TSR percentage of award, three year performance period</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Award Requisite Service Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1_lbl" xml:lang="en-US">Required service period</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xlink:to="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Term</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_lbl" xml:lang="en-US">Expected term</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_lbl" xml:lang="en-US">Risk free interest rate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Dividend Rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_lbl" xml:lang="en-US">Expected dividend yield</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_lbl" xml:lang="en-US">Expected stock price volatility</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" xlink:label="us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" xlink:to="us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized_lbl" xml:lang="en-US">Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized_lbl" xml:lang="en-US">Unrecognized compensation expense</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xlink:label="us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xlink:to="us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_lbl" xml:lang="en-US">Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized, Period for Recognition</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_lbl" xml:lang="en-US">Expected recognition expense period, weighted average period in years</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Total Intrinsic Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_lbl" xml:lang="en-US">Aggregate intrinsic value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_EmployeeServiceShareBasedCompensationCashReceivedFromExerciseOfStockOptions" xlink:label="us-gaap_EmployeeServiceShareBasedCompensationCashReceivedFromExerciseOfStockOptions" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EmployeeServiceShareBasedCompensationCashReceivedFromExerciseOfStockOptions" xlink:to="us-gaap_EmployeeServiceShareBasedCompensationCashReceivedFromExerciseOfStockOptions_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EmployeeServiceShareBasedCompensationCashReceivedFromExerciseOfStockOptions_lbl" xml:lang="en-US">Employee Service Share-based Compensation, Cash Received from Exercise of Stock Options</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EmployeeServiceShareBasedCompensationCashReceivedFromExerciseOfStockOptions_lbl" xml:lang="en-US">Total cash received as a result of option exercises</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_lbl" xml:lang="en-US">Outstanding at beginning of year, Number of Options</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures in Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_lbl" xml:lang="en-US">Forfeited, Number of Options</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Expirations in Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod_lbl" xml:lang="en-US">Expired, Number of Options</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_lbl" xml:lang="en-US">Outstanding and exercisable at end of period, Number of Options</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_lbl" xml:lang="en-US">Share-based Compensation Arrangements by Share-based Payment Award, Options, Exercises in Period, Weighted Average Exercise Price</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_lbl" xml:lang="en-US">Exercised, Weighted Average Exercise Price</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice_lbl" xml:lang="en-US">Share-based Compensation Arrangements by Share-based Payment Award, Options, Forfeitures in Period, Weighted Average Exercise Price</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice_lbl" xml:lang="en-US">Forfeited, Weighted Average Exercise Price</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice" xlink:label="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice_lbl" xml:lang="en-US">Share-based Compensation Arrangements by Share-based Payment Award, Options, Expirations in Period, Weighted Average Exercise Price</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice_lbl" xml:lang="en-US">Expired, Weighted Average Exercise Price</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_lbl" xml:lang="en-US">Outstanding and exercisable at end of period, Weighted Average Exercise Price</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Remaining Contractual Term</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1_lbl" xml:lang="en-US">Outstanding and exercisable at end of period, Weighted Average Remaining Contractual Term</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Intrinsic Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_lbl" xml:lang="en-US">Outstanding and exercisable at end of period, Aggregate Intrinsic Value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_lbl" xml:lang="en-US">Outstanding at end of period, Number of Shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_lbl" xml:lang="en-US">Outstanding at beginning of year, Number of Shares</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeited in Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_lbl" xml:lang="en-US">Forfeited, number of shares</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome_lbl" xml:lang="en-US">Tax exempt interest income</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationTaxCreditsOther_lbl" xml:lang="en-US">Tax credits and adjustments</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_EffectiveIncomeTaxRateReconciliationNonTaxableEarningsOnCompanyOwnedLifeInsurance" xlink:label="fisi_EffectiveIncomeTaxRateReconciliationNonTaxableEarningsOnCompanyOwnedLifeInsurance" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_EffectiveIncomeTaxRateReconciliationGoodwillAndContingentConsiderationAdjustmentsPercent_lbl" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Goodwill and Contingent Consideration Adjustments, Percent</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_EffectiveFebruaryTwoThousandTwelveMember_lbl" xml:lang="en-US">Effective February Two Thousand Twelve [Member]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_CommercialMortgageBackSecuritiesAndAssetsBackedSecuritiesMember" xlink:label="fisi_CommercialMortgageBackSecuritiesAndAssetsBackedSecuritiesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_CommercialMortgageBackSecuritiesAndAssetsBackedSecuritiesMember" xlink:to="fisi_CommercialMortgageBackSecuritiesAndAssetsBackedSecuritiesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_CommercialMortgageBackSecuritiesAndAssetsBackedSecuritiesMember_lbl" xml:lang="en-US">Commercial Mortgage Back Securities and Assets Backed Securities [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_CommercialMortgageBackSecuritiesAndAssetsBackedSecuritiesMember_lbl" xml:lang="en-US">Commercial Mortgage Back Securities And Assets Backed Securities [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_CommercialMortgageBackSecuritiesAndAssetsBackedSecuritiesMember_lbl" xml:lang="en-US">Commercial Mortgage Back Securities And Assets Backed Securities [Member]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_SecuritiesLessThanAqualityMember" xlink:label="fisi_SecuritiesLessThanAqualityMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_SecuritiesLessThanAqualityMember" xlink:to="fisi_SecuritiesLessThanAqualityMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_SecuritiesLessThanAqualityMember_lbl" xml:lang="en-US">Securities Less Than A Quality [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_SecuritiesLessThanAqualityMember_lbl" xml:lang="en-US">Securities Less Than Aquality [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_SecuritiesLessThanAqualityMember_lbl" xml:lang="en-US">Securities Less Than Aquality [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:label="us-gaap_DefinedBenefitPlanDisclosureLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:to="us-gaap_DefinedBenefitPlanDisclosureLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanDisclosureLineItems_lbl" xml:lang="en-US">Defined Benefit Plan Disclosure [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation" xlink:label="us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation" xlink:to="us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation_lbl" xml:lang="en-US">Defined Benefit Plan, Accumulated Benefit Obligation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation_lbl" xml:lang="en-US">Accumulated benefit obligation</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanContributionsByEmployer" xlink:label="us-gaap_DefinedBenefitPlanContributionsByEmployer" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanContributionsByEmployer" xlink:to="us-gaap_DefinedBenefitPlanContributionsByEmployer_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanContributionsByEmployer_lbl" xml:lang="en-US">Defined Benefit Plan, Contributions by Employer</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlanContributionsByEmployer_lbl" xml:lang="en-US">Employer contributions</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_InvestmentStrategyPercentageInLongTermGrowth" xlink:label="fisi_InvestmentStrategyPercentageInLongTermGrowth" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_InvestmentStrategyPercentageInLongTermGrowth" xlink:to="fisi_InvestmentStrategyPercentageInLongTermGrowth_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_InvestmentStrategyPercentageInLongTermGrowth_lbl" xml:lang="en-US">Investment Strategy, Percentage In Long Term Growth</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_InvestmentStrategyPercentageInLongTermGrowth_lbl" xml:lang="en-US">Investment Strategy, Percentage In Long Term Growth</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_InvestmentStrategyPercentageInLongTermGrowth_lbl" xml:lang="en-US">Investment strategy, percentage in long-term growth</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_InvestmentStrategyPercentageInNearTermBenefitPayments" xlink:label="fisi_InvestmentStrategyPercentageInNearTermBenefitPayments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_InvestmentStrategyPercentageInNearTermBenefitPayments" xlink:to="fisi_InvestmentStrategyPercentageInNearTermBenefitPayments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_InvestmentStrategyPercentageInNearTermBenefitPayments_lbl" xml:lang="en-US">Investment Strategy, Percentage In Near Term Benefit Payments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_InvestmentStrategyPercentageInNearTermBenefitPayments_lbl" xml:lang="en-US">Investment Strategy, Percentage In Near Term Benefit Payments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_InvestmentStrategyPercentageInNearTermBenefitPayments_lbl" xml:lang="en-US">Investment strategy, percentage in near-term benefit payments</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_MaximumPercentageOfSecuritiesPurchasingAllowedOfPortfolioAtAnyTime" xlink:label="fisi_MaximumPercentageOfSecuritiesPurchasingAllowedOfPortfolioAtAnyTime" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_MaximumPercentageOfSecuritiesPurchasingAllowedOfPortfolioAtAnyTime" xlink:to="fisi_MaximumPercentageOfSecuritiesPurchasingAllowedOfPortfolioAtAnyTime_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_MaximumPercentageOfSecuritiesPurchasingAllowedOfPortfolioAtAnyTime_lbl" xml:lang="en-US">Maximum Percentage Of Securities Purchasing Allowed Of The Portfolio At Any Time</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_MaximumPercentageOfSecuritiesPurchasingAllowedOfPortfolioAtAnyTime_lbl" xml:lang="en-US">Maximum Percentage Of Securities Purchasing Allowed Of The Portfolio At Any Time</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_MaximumPercentageOfSecuritiesPurchasingAllowedOfPortfolioAtAnyTime_lbl" xml:lang="en-US">Maximum percentage of securities purchasing allowed of the portfolio at any time</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_MaximumMarketValuePurchasePercentageAllowedOfAnyOneIssuer" xlink:label="fisi_MaximumMarketValuePurchasePercentageAllowedOfAnyOneIssuer" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_MaximumMarketValuePurchasePercentageAllowedOfAnyOneIssuer" xlink:to="fisi_MaximumMarketValuePurchasePercentageAllowedOfAnyOneIssuer_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_MaximumMarketValuePurchasePercentageAllowedOfAnyOneIssuer_lbl" xml:lang="en-US">Maximum Market Value Purchase Percentage Allowed Of Any One Issuer</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_MaximumMarketValuePurchasePercentageAllowedOfAnyOneIssuer_lbl" xml:lang="en-US">Maximum Market Value Purchase Percentage Allowed Of Any One Issuer</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_MaximumMarketValuePurchasePercentageAllowedOfAnyOneIssuer_lbl" xml:lang="en-US">Maximum market value purchase percentage allowed of any one issuer</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedContributionPlanCostRecognized" xlink:label="us-gaap_DefinedContributionPlanCostRecognized" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedContributionPlanCostRecognized" xlink:to="us-gaap_DefinedContributionPlanCostRecognized_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedContributionPlanCostRecognized_lbl" xml:lang="en-US">Defined Contribution Plan, Cost Recognized</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedContributionPlanCostRecognized_lbl" xml:lang="en-US">Expense included in salaries and employee benefits</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_PortfolioManagementControlledPercentage" xlink:label="fisi_PortfolioManagementControlledPercentage" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_PortfolioManagementControlledPercentage" xlink:to="fisi_PortfolioManagementControlledPercentage_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_PortfolioManagementControlledPercentage_lbl" xml:lang="en-US">Portfolio Management, Controlled Percentage</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_PortfolioManagementControlledPercentage_lbl" xml:lang="en-US">Portfolio Management, Controlled Percentage</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_PortfolioManagementControlledPercentage_lbl" xml:lang="en-US">Portfolio management, controlled percentage</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations" xlink:label="us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations" xlink:to="us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations_lbl" xml:lang="en-US">Defined Benefit Plan, Actual Plan Asset Allocations</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations_lbl" xml:lang="en-US">Percentage of Plan Assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PensionAndOtherPostretirementAndPostemploymentBenefitPlansLiabilitiesCurrentAndNoncurrent" xlink:label="us-gaap_PensionAndOtherPostretirementAndPostemploymentBenefitPlansLiabilitiesCurrentAndNoncurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PensionAndOtherPostretirementAndPostemploymentBenefitPlansLiabilitiesCurrentAndNoncurrent" xlink:to="us-gaap_PensionAndOtherPostretirementAndPostemploymentBenefitPlansLiabilitiesCurrentAndNoncurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PensionAndOtherPostretirementAndPostemploymentBenefitPlansLiabilitiesCurrentAndNoncurrent_lbl" xml:lang="en-US">Pension and Other Postretirement and Postemployment Benefit Plans, Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PensionAndOtherPostretirementAndPostemploymentBenefitPlansLiabilitiesCurrentAndNoncurrent_lbl" xml:lang="en-US">Postretirement Benefit Plan, Accrued liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss" xlink:label="us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss" xlink:to="us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss_lbl" xml:lang="en-US">Defined Benefit Plan, Amortization of Net Gains (Losses)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss_lbl" xml:lang="en-US">Estimated future net loss for the plan that will be amortized from accumulated other comprehensive income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit" xlink:label="us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit" xlink:to="us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit_lbl" xml:lang="en-US">Defined Benefit Plan, Future Amortization of Prior Service Cost (Credit)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit_lbl" xml:lang="en-US">Estimated future prior service credit for the plan that will be amortized from accumulated other comprehensive income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent" xlink:label="us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent" xlink:to="us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent_lbl" xml:lang="en-US">Defined Contribution Plan Maximum Annual Contributions Per Employee Percent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent_lbl" xml:lang="en-US">Maximum percent of participant's contribution match</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch" xlink:label="us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch" xlink:to="us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch_lbl" xml:lang="en-US">Defined Contribution Plan Employer Matching Contribution Percent Of Match</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch_lbl" xml:lang="en-US">Percentage employer matches of the employee's percentage contribution matched</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent" xlink:label="us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent" xlink:to="us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent_lbl" xml:lang="en-US">Defined Contribution Plan, Employer Matching Contribution, Percent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent_lbl" xml:lang="en-US">Percentage for which the employer contributes a matching contribution</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities" xlink:label="us-gaap_DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities" xlink:to="us-gaap_DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities_lbl" xml:lang="en-US">Defined Benefit Pension Plan, Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities_lbl" xml:lang="en-US">Unfunded pension liability</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PensionExpense" xlink:label="us-gaap_PensionExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PensionExpense" xlink:to="us-gaap_PensionExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PensionExpense_lbl" xml:lang="en-US">Pension Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PensionExpense_lbl" xml:lang="en-US">Pension expense</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanBenefitObligation" xlink:label="us-gaap_DefinedBenefitPlanBenefitObligation" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanBenefitObligation" xlink:to="us-gaap_DefinedBenefitPlanBenefitObligation_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanBenefitObligation_lbl" xml:lang="en-US">Defined Benefit Plan, Benefit Obligation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_DefinedBenefitPlanBenefitObligation_lbl" xml:lang="en-US">Projected benefit obligation at end of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_DefinedBenefitPlanBenefitObligation_lbl" xml:lang="en-US">Projected benefit obligation at beginning of period</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanServiceCost" xlink:label="us-gaap_DefinedBenefitPlanServiceCost" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanServiceCost" xlink:to="us-gaap_DefinedBenefitPlanServiceCost_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanServiceCost_lbl" xml:lang="en-US">Defined Benefit Plan, Service Cost</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlanServiceCost_lbl" xml:lang="en-US">Service cost</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanActuarialGainLoss" xlink:to="us-gaap_DefinedBenefitPlanActuarialGainLoss_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanActuarialGainLoss_lbl" xml:lang="en-US">Defined Benefit Plan, Actuarial Gain (Loss)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_DefinedBenefitPlanActuarialGainLoss_lbl" xml:lang="en-US">Actuarial (gain) loss</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanBenefitsPaid" xlink:to="us-gaap_DefinedBenefitPlanBenefitsPaid_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanBenefitsPaid_lbl" xml:lang="en-US">Defined Benefit Plan, Benefits Paid</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_DefinedBenefitPlanBenefitsPaid_lbl" xml:lang="en-US">Benefits paid and plan expenses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:label="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:to="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_lbl" xml:lang="en-US">Defined Benefit Plan, Fair Value of Plan Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_lbl" xml:lang="en-US">Fair value of plan assets at end of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_lbl" xml:lang="en-US">Fair value of plan assets at beginning of period</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets" xlink:label="us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets" xlink:to="us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets_lbl" xml:lang="en-US">Defined Benefit Plan, Actual Return on Plan Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets_lbl" xml:lang="en-US">Actual return on plan assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanFundedStatusOfPlan" xlink:label="us-gaap_DefinedBenefitPlanFundedStatusOfPlan" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanFundedStatusOfPlan" xlink:to="us-gaap_DefinedBenefitPlanFundedStatusOfPlan_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanFundedStatusOfPlan_lbl" xml:lang="en-US">Defined Benefit Plan, Funded Status of Plan</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_DefinedBenefitPlanFundedStatusOfPlan_lbl" xml:lang="en-US">Funded status at end of period</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths" xlink:to="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths_lbl" xml:lang="en-US">Defined Benefit Plan, Expected Future Benefit Payments, Next Twelve Months</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths_lbl" xml:lang="en-US">2016</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo" xlink:to="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo_lbl" xml:lang="en-US">Defined Benefit Plan, Expected Future Benefit Payments, Year Two</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo_lbl" xml:lang="en-US">2017</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree" xlink:to="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree_lbl" xml:lang="en-US">Defined Benefit Plan, Expected Future Benefit Payments, Year Three</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree_lbl" xml:lang="en-US">2018</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour" xlink:to="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour_lbl" xml:lang="en-US">Defined Benefit Plan, Expected Future Benefit Payments, Year Four</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour_lbl" xml:lang="en-US">2019</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive" xlink:to="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive_lbl" xml:lang="en-US">Defined Benefit Plan, Expected Future Benefit Payments, Year Five</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive_lbl" xml:lang="en-US">2020</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter" xlink:to="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter_lbl" xml:lang="en-US">Defined Benefit Plan, Expected Future Benefit Payments, Five Fiscal Years Thereafter</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter_lbl" xml:lang="en-US">2021-2025</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:to="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_lbl" xml:lang="en-US">Defined Benefit Plan, Expected Return on Plan Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_lbl" xml:lang="en-US">Expected return on plan assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit" xlink:label="us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit" xlink:to="us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit_lbl" xml:lang="en-US">Defined Benefit Plan, Amortization of Prior Service Cost (Credit)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit_lbl" xml:lang="en-US">Amortization of prior service credit</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses" xlink:label="us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses" xlink:to="us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_lbl" xml:lang="en-US">Defined Benefit Plan, Amortization of Gains (Losses)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:label="us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_lbl" xml:lang="en-US">Amortization of net actuarial losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_lbl" xml:lang="en-US">Amortization of net loss</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:label="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:to="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl" xml:lang="en-US">Defined Benefit Plan, Net Periodic Benefit Cost</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl" xml:lang="en-US">Net periodic pension expense</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate" xlink:label="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate_lbl" xml:lang="en-US">Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Discount Rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate_lbl" xml:lang="en-US">Weighted average discount rate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease" xlink:label="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease" xlink:to="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease_lbl" xml:lang="en-US">Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Rate of Compensation Increase</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease_lbl" xml:lang="en-US">Rate of compensation increase</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" xlink:label="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" xlink:to="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_lbl" xml:lang="en-US">Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Expected Long-term Return on Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_lbl" xml:lang="en-US">Expected long-term rate of return</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate" xlink:label="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate_lbl" xml:lang="en-US">Defined Benefit Plan, Assumptions Used Calculating Benefit Obligation, Discount Rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate_lbl" xml:lang="en-US">Weighted average discount rate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease" xlink:label="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_DepositoryReceiptsMember_lbl" xml:lang="en-US">Depository Receipts [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_DepositoryReceiptsMember_lbl" xml:lang="en-US">Depository Receipts [Member]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ConsumerLoansAutoFinancingReceivableMember_lbl" xml:lang="en-US">Consumer Loans Auto Financing Receivable [Member]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember_lbl" xml:lang="en-US">Other Postretirement Benefit Plans Defined Benefit [Member]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax_lbl" xml:lang="en-US">Net actuarial loss</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueByMeasurementFrequencyAxis_lbl" xml:lang="en-US">Fair Value by Measurement Frequency [Axis]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueMeasurementFrequencyDomain_lbl" xml:lang="en-US">Fair Value Measurement Frequency [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueMeasurementFrequencyDomain_lbl" xml:lang="en-US">Fair Value, Measurement Frequency [Domain]</label>
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    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_LoansHeldForSaleMember" xlink:label="fisi_LoansHeldForSaleMember" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_LoanServicingRightsMember_lbl" xml:lang="en-US">Loan Servicing Rights [Member]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_OtherRealEstateOwnedOtherReceivableMember" xlink:label="fisi_OtherRealEstateOwnedOtherReceivableMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_OtherRealEstateOwnedOtherReceivableMember" xlink:to="fisi_OtherRealEstateOwnedOtherReceivableMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_OtherRealEstateOwnedOtherReceivableMember_lbl" xml:lang="en-US">Other Real Estate Owned Other Receivable [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_OtherRealEstateOwnedOtherReceivableMember_lbl" xml:lang="en-US">Other Real Estate Owned Other Receivable [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_OtherRealEstateOwnedOtherReceivableMember_lbl" xml:lang="en-US">Other Real Estate Owned [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:to="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_lbl" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AssetsFairValueDisclosure" xlink:label="us-gaap_AssetsFairValueDisclosure" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsFairValueDisclosure" xlink:to="us-gaap_AssetsFairValueDisclosure_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AssetsFairValueDisclosure_lbl" xml:lang="en-US">Assets, Fair Value Disclosure</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AssetsFairValueDisclosure_lbl" xml:lang="en-US">Assets at fair value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FairValueInputsAssetsQuantitativeInformationTable" xlink:label="us-gaap_FairValueInputsAssetsQuantitativeInformationTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsAssetsQuantitativeInformationTable" xlink:to="us-gaap_FairValueInputsAssetsQuantitativeInformationTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueInputsAssetsQuantitativeInformationTable_lbl" xml:lang="en-US">Fair Value Inputs, Assets, Quantitative Information [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems" xlink:label="us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems" xlink:to="us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems_lbl" xml:lang="en-US">Fair Value Inputs, Assets, Quantitative Information [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FairValueInputsComparabilityAdjustments" xlink:label="us-gaap_FairValueInputsComparabilityAdjustments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsComparabilityAdjustments" xlink:to="us-gaap_FairValueInputsComparabilityAdjustments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueInputsComparabilityAdjustments_lbl" xml:lang="en-US">Fair Value Inputs, Comparability Adjustments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueInputsComparabilityAdjustments_lbl" xml:lang="en-US">Appraisal adjustments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FairValueInputsDiscountRate" xlink:label="us-gaap_FairValueInputsDiscountRate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsDiscountRate" xlink:to="us-gaap_FairValueInputsDiscountRate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueInputsDiscountRate_lbl" xml:lang="en-US">Fair Value Inputs, Discount Rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueInputsDiscountRate_lbl" xml:lang="en-US">Discount rate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FairValueInputsPrepaymentRate" xlink:label="us-gaap_FairValueInputsPrepaymentRate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsPrepaymentRate" xlink:to="us-gaap_FairValueInputsPrepaymentRate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueInputsPrepaymentRate_lbl" xml:lang="en-US">Fair Value Inputs, Prepayment Rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueInputsPrepaymentRate_lbl" xml:lang="en-US">Constant prepayment rate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTable" xlink:label="us-gaap_FairValueByBalanceSheetGroupingTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByBalanceSheetGroupingTable" xlink:to="us-gaap_FairValueByBalanceSheetGroupingTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueByBalanceSheetGroupingTable_lbl" xml:lang="en-US">Fair Value, by Balance Sheet Grouping [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FairValueByMeasurementBasisAxis" xlink:label="us-gaap_FairValueByMeasurementBasisAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByMeasurementBasisAxis" xlink:to="us-gaap_FairValueByMeasurementBasisAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueByMeasurementBasisAxis_lbl" xml:lang="en-US">Measurement Basis [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:label="us-gaap_PortionAtFairValueFairValueDisclosureMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:to="us-gaap_PortionAtFairValueFairValueDisclosureMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PortionAtFairValueFairValueDisclosureMember_lbl" xml:lang="en-US">Portion At Fair Value Fair Value Disclosure [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PortionAtFairValueFairValueDisclosureMember_lbl" xml:lang="en-US">Portion at Fair Value Measurement [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:label="us-gaap_CarryingReportedAmountFairValueDisclosureMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:to="us-gaap_CarryingReportedAmountFairValueDisclosureMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CarryingReportedAmountFairValueDisclosureMember_lbl" xml:lang="en-US">Carrying Reported Amount Fair Value Disclosure [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CarryingReportedAmountFairValueDisclosureMember_lbl" xml:lang="en-US">Carrying Amount [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:label="us-gaap_EstimateOfFairValueFairValueDisclosureMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:to="us-gaap_EstimateOfFairValueFairValueDisclosureMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EstimateOfFairValueFairValueDisclosureMember_lbl" xml:lang="en-US">Estimate Of Fair Value Fair Value Disclosure [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EstimateOfFairValueFairValueDisclosureMember_lbl" xml:lang="en-US">Estimated Fair Value [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:label="us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:to="us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_lbl" xml:lang="en-US">Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:label="us-gaap_CashAndCashEquivalentsFairValueDisclosure" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:to="us-gaap_CashAndCashEquivalentsFairValueDisclosure_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashAndCashEquivalentsFairValueDisclosure_lbl" xml:lang="en-US">Cash and Cash Equivalents, Fair Value Disclosure</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CashAndCashEquivalentsFairValueDisclosure_lbl" xml:lang="en-US">Cash and cash equivalents</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:label="us-gaap_LoansHeldForSaleFairValueDisclosure" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:to="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl" xml:lang="en-US">Loans Held-for-sale, Fair Value Disclosure</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl" xml:lang="en-US">Loans held for sale</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_LoansReceivableFairValueDisclosure" xlink:label="us-gaap_LoansReceivableFairValueDisclosure" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansReceivableFairValueDisclosure" xlink:to="us-gaap_LoansReceivableFairValueDisclosure_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansReceivableFairValueDisclosure_lbl" xml:lang="en-US">Loans Receivable, Fair Value Disclosure</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansReceivableFairValueDisclosure_lbl" xml:lang="en-US">Loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_InterestReceivable" xlink:label="us-gaap_InterestReceivable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestReceivable" xlink:to="us-gaap_InterestReceivable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestReceivable_lbl" xml:lang="en-US">Interest Receivable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestReceivable_lbl" xml:lang="en-US">Accrued interest receivable</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock" xlink:label="us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock" xlink:to="us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock_lbl" xml:lang="en-US">Federal Home Loan Bank Stock and Federal Reserve Bank Stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock_lbl" xml:lang="en-US">FHLB and FRB stock</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_NonMaturityDepositsFairValueDisclosure" xlink:label="fisi_NonMaturityDepositsFairValueDisclosure" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_NonMaturityDepositsFairValueDisclosure" xlink:to="fisi_NonMaturityDepositsFairValueDisclosure_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_NonMaturityDepositsFairValueDisclosure_lbl" xml:lang="en-US">Non-Maturity Deposits Fair Value Disclosure</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_NonMaturityDepositsFairValueDisclosure_lbl" xml:lang="en-US">Non-Maturity Deposits Fair Value Disclosure</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_NonMaturityDepositsFairValueDisclosure_lbl" xml:lang="en-US">Non-maturity deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DepositsFairValueDisclosure" xlink:label="us-gaap_DepositsFairValueDisclosure" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepositsFairValueDisclosure" xlink:to="us-gaap_DepositsFairValueDisclosure_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DepositsFairValueDisclosure_lbl" xml:lang="en-US">Deposits, Fair Value Disclosure</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DepositsFairValueDisclosure_lbl" xml:lang="en-US">Time deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ShorttermDebtFairValue" xlink:label="us-gaap_ShorttermDebtFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShorttermDebtFairValue" xlink:to="us-gaap_ShorttermDebtFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShorttermDebtFairValue_lbl" xml:lang="en-US">Short-term Debt, Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShorttermDebtFairValue_lbl" xml:lang="en-US">Short-term borrowings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_LongTermDebtFairValue" xlink:label="us-gaap_LongTermDebtFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LongTermDebtFairValue" xlink:to="us-gaap_LongTermDebtFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LongTermDebtFairValue_lbl" xml:lang="en-US">Long-term Debt, Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LongTermDebtFairValue_lbl" xml:lang="en-US">Long-term borrowings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AccountsPayableFairValueDisclosure" xlink:label="us-gaap_AccountsPayableFairValueDisclosure" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsPayableFairValueDisclosure" xlink:to="us-gaap_AccountsPayableFairValueDisclosure_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccountsPayableFairValueDisclosure_lbl" xml:lang="en-US">Accounts Payable, Fair Value Disclosure</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AccountsPayableFairValueDisclosure_lbl" xml:lang="en-US">Accrued interest payable</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ScheduleOfCondensedFinancialStatementsTable" xlink:label="us-gaap_ScheduleOfCondensedFinancialStatementsTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfCondensedFinancialStatementsTable" xlink:to="us-gaap_ScheduleOfCondensedFinancialStatementsTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfCondensedFinancialStatementsTable_lbl" xml:lang="en-US">Condensed Financial Statements [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:label="us-gaap_CondensedFinancialStatementsCaptionsLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:to="us-gaap_CondensedFinancialStatementsCaptionsLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CondensedFinancialStatementsCaptionsLineItems_lbl" xml:lang="en-US">Condensed Financial Statements, Captions [Line Items]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_CashAndDueFromSubsidiary" xlink:label="fisi_CashAndDueFromSubsidiary" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_CashAndDueFromSubsidiary" xlink:to="fisi_CashAndDueFromSubsidiary_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_CashAndDueFromSubsidiary_lbl" xml:lang="en-US">Cash and due from subsidiary</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_CashAndDueFromSubsidiary_lbl" xml:lang="en-US">Cash and due from subsidiary</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures" xlink:label="us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures" xlink:to="us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_lbl" xml:lang="en-US">Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_lbl" xml:lang="en-US">Investment in and receivables due from subsidiary</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_CashDividendsPaidToParentCompany" xlink:label="us-gaap_CashDividendsPaidToParentCompany" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashDividendsPaidToParentCompany" xlink:to="us-gaap_CashDividendsPaidToParentCompany_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashDividendsPaidToParentCompany_lbl" xml:lang="en-US">Cash Dividends Paid to Parent Company</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_CashDividendsPaidToParentCompany_lbl" xml:lang="en-US">Dividends from subsidiary and associated companies</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ManagementFeesRevenue" xlink:label="us-gaap_ManagementFeesRevenue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ManagementFeesRevenue" xlink:to="us-gaap_ManagementFeesRevenue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ManagementFeesRevenue_lbl" xml:lang="en-US">Management Fees Revenue</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ManagementFeesRevenue_lbl" xml:lang="en-US">Management and service fees from subsidiary</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OtherIncome" xlink:label="us-gaap_OtherIncome" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherIncome" xlink:to="us-gaap_OtherIncome_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherIncome_lbl" xml:lang="en-US">Other Income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherIncome_lbl" xml:lang="en-US">Other income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_Revenues" xlink:label="us-gaap_Revenues" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Revenues" xlink:to="us-gaap_Revenues_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Revenues_lbl" xml:lang="en-US">Revenues</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Revenues_lbl" xml:lang="en-US">Total income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OperatingExpenses" xlink:label="us-gaap_OperatingExpenses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingExpenses" xlink:to="us-gaap_OperatingExpenses_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingExpenses_lbl" xml:lang="en-US">Operating Expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OperatingExpenses_lbl" xml:lang="en-US">Operating expenses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_CostsAndExpenses" xlink:label="us-gaap_CostsAndExpenses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CostsAndExpenses" xlink:to="us-gaap_CostsAndExpenses_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CostsAndExpenses_lbl" xml:lang="en-US">Costs and Expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_CostsAndExpenses_lbl" xml:lang="en-US">Total expenses</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_IncomeBeforeEquityInUndistributedEarningsOfSubsidiary" xlink:label="fisi_IncomeBeforeEquityInUndistributedEarningsOfSubsidiary" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_IncomeBeforeEquityInUndistributedEarningsOfSubsidiary" xlink:to="fisi_IncomeBeforeEquityInUndistributedEarningsOfSubsidiary_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_IncomeBeforeEquityInUndistributedEarningsOfSubsidiary_lbl" xml:lang="en-US">Income Before Equity In Undistributed Earnings Of Subsidiary</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_IncomeBeforeEquityInUndistributedEarningsOfSubsidiary_lbl" xml:lang="en-US">Income Before Equity In Undistributed Earnings Of Subsidiary</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="fisi_IncomeBeforeEquityInUndistributedEarningsOfSubsidiary_lbl" xml:lang="en-US">Income before equity in undistributed earnings of subsidiary</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_IncomeLossFromEquityMethodInvestments" xlink:label="us-gaap_IncomeLossFromEquityMethodInvestments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeLossFromEquityMethodInvestments" xlink:to="us-gaap_IncomeLossFromEquityMethodInvestments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeLossFromEquityMethodInvestments_lbl" xml:lang="en-US">Income (Loss) from Equity Method Investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncomeLossFromEquityMethodInvestments_lbl" xml:lang="en-US">Equity in undistributed earnings of subsidiary</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncomeLossFromEquityMethodInvestments_lbl" xml:lang="en-US">Equity in undistributed earnings of subsidiary</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries" xlink:label="us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries" xlink:to="us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries_lbl" xml:lang="en-US">Payments to Acquire Additional Interest in Subsidiaries</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries_lbl" xml:lang="en-US">Capital investment in Five Star Bank</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PaymentsForRepurchaseOfEquity" xlink:label="us-gaap_PaymentsForRepurchaseOfEquity" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForRepurchaseOfEquity" xlink:to="us-gaap_PaymentsForRepurchaseOfEquity_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsForRepurchaseOfEquity_lbl" xml:lang="en-US">Payments for Repurchase of Equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsForRepurchaseOfEquity_lbl" xml:lang="en-US">Purchase of preferred and common shares</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PaymentsOfDividends" xlink:label="us-gaap_PaymentsOfDividends" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsOfDividends" xlink:to="us-gaap_PaymentsOfDividends_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsOfDividends_lbl" xml:lang="en-US">Payments of Dividends</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsOfDividends_lbl" xml:lang="en-US">Dividends paid</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xlink:label="us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xlink:to="us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_lbl" xml:lang="en-US">Proceeds from (Payments for) Other Financing Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_lbl" xml:lang="en-US">Other</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_NumberOfOperatingSegments" xlink:label="us-gaap_NumberOfOperatingSegments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NumberOfOperatingSegments" xlink:to="us-gaap_NumberOfOperatingSegments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NumberOfOperatingSegments_lbl" xml:lang="en-US">Number of Operating Segments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NumberOfOperatingSegments_lbl" xml:lang="en-US">Number of operating segments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:label="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:to="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_lbl" xml:lang="en-US">Schedule of Segment Reporting Information, by Segment [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="us-gaap_SegmentReportingInformationLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SegmentReportingInformationLineItems" xlink:to="us-gaap_SegmentReportingInformationLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SegmentReportingInformationLineItems_lbl" xml:lang="en-US">Segment Reporting Information [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_BusinessAcquisitionAxis" xlink:label="us-gaap_BusinessAcquisitionAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BusinessAcquisitionAxis" xlink:to="us-gaap_BusinessAcquisitionAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_BusinessAcquisitionAxis_lbl" xml:lang="en-US">Business Acquisition [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_BusinessAcquisitionAcquireeDomain" xlink:label="us-gaap_BusinessAcquisitionAcquireeDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BusinessAcquisitionAcquireeDomain" xlink:to="us-gaap_BusinessAcquisitionAcquireeDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_BusinessAcquisitionAcquireeDomain_lbl" xml:lang="en-US">Business Acquisition Acquiree [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_BusinessAcquisitionAcquireeDomain_lbl" xml:lang="en-US">Business Acquisition Acquiree [Domain]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_ScottDanahyNaylonCo.Inc.Member" xlink:label="fisi_ScottDanahyNaylonCo.Inc.Member" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_ScottDanahyNaylonCo.Inc.Member" xlink:to="fisi_ScottDanahyNaylonCo.Inc.Member_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_ScottDanahyNaylonCo.Inc.Member_lbl" xml:lang="en-US">Scott Danahy Naylon Co., Inc. ("SDN") [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_ScottDanahyNaylonCo.Inc.Member_lbl" xml:lang="en-US">Scott Danahy Naylon Co. Inc. [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_ScottDanahyNaylonCo.Inc.Member_lbl" xml:lang="en-US">Scott Danahy Naylon Co., Inc. [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="us-gaap_StatementBusinessSegmentsAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementBusinessSegmentsAxis" xlink:to="us-gaap_StatementBusinessSegmentsAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StatementBusinessSegmentsAxis_lbl" xml:lang="en-US">Segments [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_SegmentDomain" xlink:label="us-gaap_SegmentDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SegmentDomain" xlink:to="us-gaap_SegmentDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SegmentDomain_lbl" xml:lang="en-US">Segment [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SegmentDomain_lbl" xml:lang="en-US">Segments [Domain]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_InsuranceSegmentMember" xlink:label="fisi_InsuranceSegmentMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_InsuranceSegmentMember" xlink:to="fisi_InsuranceSegmentMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_InsuranceSegmentMember_lbl" xml:lang="en-US">Insurance Segment [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_InsuranceSegmentMember_lbl" xml:lang="en-US">Insurance Segment [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_InsuranceSegmentMember_lbl" xml:lang="en-US">Insurance [Member]</label>
    <loc xlink:type="locator" xlink:href="fisi-20151231.xsd#fisi_BankingSegmentMember" xlink:label="fisi_BankingSegmentMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fisi_BankingSegmentMember" xlink:to="fisi_BankingSegmentMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="fisi_BankingSegmentMember_lbl" xml:lang="en-US">Banking Segment [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fisi_BankingSegmentMember_lbl" xml:lang="en-US">Banking Segment [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="fisi_BankingSegmentMember_lbl" xml:lang="en-US">Banking [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_VariableRateAxis" xlink:label="us-gaap_VariableRateAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_VariableRateAxis" xlink:to="us-gaap_VariableRateAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_VariableRateAxis_lbl" xml:lang="en-US">Variable Rate [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_VariableRateDomain" xlink:label="us-gaap_VariableRateDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_VariableRateDomain" xlink:to="us-gaap_VariableRateDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_VariableRateDomain_lbl" xml:lang="en-US">Variable Rate [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_VariableRateDomain_lbl" xml:lang="en-US">Variable Rate [Domain]</label>
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<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>12
<FILENAME>fisi-20151231_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6845900528">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Document And Entity Information - USD ($)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Feb. 29, 2016</div></th>
<th class="th"><div>Jun. 30, 2015</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_fisi_DocumentAndEntityInformationAbstract', window );"><strong>Document And Entity Information [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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">10-K<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<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>
<td class="text">&#160;<span></span>
</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_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Dec. 31,  2015<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_DocumentFiscalPeriodFocus', window );">Document Fiscal Period Focus</a></td>
<td class="text">FY<span></span>
</td>
<td class="text">&#160;<span></span>
</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_DocumentFiscalYearFocus', window );">Document Fiscal Year Focus</a></td>
<td class="text">2015<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">FINANCIAL INSTITUTIONS INC<span></span>
</td>
<td class="text">&#160;<span></span>
</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_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000862831<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
<td class="text">--12-31<span></span>
</td>
<td class="text">&#160;<span></span>
</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_EntityFilerCategory', window );">Entity Filer Category</a></td>
<td class="text">Accelerated Filer<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_EntityCommonStockSharesOutstanding', window );">Entity Common Stock, Shares Outstanding</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">14,485,883<span></span>
</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_EntityWellKnownSeasonedIssuer', window );">Entity Well-known Seasoned Issuer</a></td>
<td class="text">No<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_EntityPublicFloat', window );">Entity Public Float</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 340,191,000<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_EntityCurrentReportingStatus', window );">Entity Current Reporting Status</a></td>
<td class="text">Yes<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_EntityVoluntaryFilers', window );">Entity Voluntary Filers</a></td>
<td class="text">No<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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>If the value is true, then the document is an amendment to previously-filed/accepted document.</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_CurrentFiscalYearEndDate">
<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>End date of current fiscal year in the format --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_CurrentFiscalYearEndDate</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:gMonthDayItemType</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_DocumentFiscalPeriodFocus">
<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>This is focus fiscal period of the document report. For a first quarter 2006 quarterly report, which may also provide financial information from prior periods, the first fiscal quarter should be given as the fiscal period focus. Values: FY, Q1, Q2, Q3, Q4, H1, H2, M9, T1, T2, T3, M8, CY.</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_DocumentFiscalPeriodFocus</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fiscalPeriodItemType</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_DocumentFiscalYearFocus">
<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>This is focus fiscal year of the document report in CCYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.</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_DocumentFiscalYearFocus</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:gYearItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<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_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 12b<br> -Subsection 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_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_EntityCommonStockSharesOutstanding">
<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 number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument.</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_EntityCommonStockSharesOutstanding</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:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCurrentReportingStatus">
<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 "Yes" or "No" whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.</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_EntityCurrentReportingStatus</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:yesNoItemType</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_EntityFilerCategory">
<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 whether the registrant is one of the following: (1) Large Accelerated Filer, (2) Accelerated Filer, (3) Non-accelerated Filer, (4) Smaller Reporting Company (Non-accelerated) or (5) Smaller Reporting Accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.</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_EntityFilerCategory</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:filerCategoryItemType</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_EntityPublicFloat">
<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>State aggregate market value of voting and non-voting common equity held by non-affiliates computed by reference to price at which the common equity was last sold, or average bid and asked price of such common equity, as of the last business day of registrant's most recently completed second fiscal quarter. The public float should be reported on the cover page of the registrants form 10K.</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_EntityPublicFloat</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:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</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 12b<br> -Subsection 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_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_EntityVoluntaryFilers">
<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 "Yes" or "No" if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.</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_EntityVoluntaryFilers</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:yesNoItemType</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_EntityWellKnownSeasonedIssuer">
<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 "Yes" or "No" if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.</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_EntityWellKnownSeasonedIssuer</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:yesNoItemType</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_fisi_DocumentAndEntityInformationAbstract">
<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>Document and Entity Information Abstract</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;">fisi_DocumentAndEntityInformationAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</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>
</div>
</body>
</html>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<head>
<title></title>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6846512624">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Consolidated Statements Of Financial Condition - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</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_us-gaap_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_CashAndDueFromBanks', window );">Cash and due from banks</a></td>
<td class="nump">$ 60,121<span></span>
</td>
<td class="nump">$ 58,151<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_us-gaap_AvailableForSaleSecurities', window );">Securities available for sale, at fair value</a></td>
<td class="nump">544,395<span></span>
</td>
<td class="nump">622,494<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_us-gaap_HeldToMaturitySecurities', window );">Securities held to maturity, at amortized cost (fair value of $490,064 and $298,695, respectively)</a></td>
<td class="nump">485,717<span></span>
</td>
<td class="nump">294,438<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_us-gaap_LoansReceivableHeldForSaleNet', window );">Loans held for sale</a></td>
<td class="nump">1,430<span></span>
</td>
<td class="nump">755<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_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Loans (net of allowance for loan losses of $27,085 and $27,637, respectively)</a></td>
<td class="nump">2,056,677<span></span>
</td>
<td class="nump">1,884,365<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_us-gaap_BankOwnedLifeInsurance', window );">Company owned life insurance</a></td>
<td class="nump">63,045<span></span>
</td>
<td class="nump">61,004<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_us-gaap_PropertyPlantAndEquipmentNet', window );">Premises and equipment, net</a></td>
<td class="nump">39,445<span></span>
</td>
<td class="nump">36,394<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_us-gaap_IntangibleAssetsNetIncludingGoodwill', window );">Goodwill and other intangible assets, net</a></td>
<td class="nump">66,946<span></span>
</td>
<td class="nump">68,639<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_us-gaap_OtherAssets', window );">Other assets</a></td>
<td class="nump">63,248<span></span>
</td>
<td class="nump">63,281<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">3,381,024<span></span>
</td>
<td class="nump">3,089,521<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_us-gaap_DepositsAbstract', window );"><strong>Deposits:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_NoninterestBearingDepositLiabilities', window );">Noninterest-bearing demand</a></td>
<td class="nump">641,972<span></span>
</td>
<td class="nump">571,260<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_us-gaap_InterestBearingDepositLiabilities', window );">Interest-bearing demand</a></td>
<td class="nump">523,366<span></span>
</td>
<td class="nump">490,190<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_us-gaap_DepositsSavingsDeposits', window );">Savings and money market</a></td>
<td class="nump">928,175<span></span>
</td>
<td class="nump">795,835<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_us-gaap_TimeDeposits', window );">Time deposits</a></td>
<td class="nump">637,018<span></span>
</td>
<td class="nump">593,242<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
<td class="nump">2,730,531<span></span>
</td>
<td class="nump">2,450,527<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_us-gaap_ShortTermBorrowings', window );">Short-term borrowings</a></td>
<td class="nump">293,100<span></span>
</td>
<td class="nump">334,804<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_us-gaap_LongTermDebt', window );">Long-term borrowings, net of issuance costs of $1,010</a></td>
<td class="nump">38,990<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
<td class="nump">24,559<span></span>
</td>
<td class="nump">24,658<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
<td class="nump">$ 3,087,180<span></span>
</td>
<td class="nump">$ 2,809,989<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_us-gaap_CommitmentsAndContingencies', window );">Commitments and contingencies (Note 10)</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <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_us-gaap_StockholdersEquityAbstract', window );"><strong>Shareholders' equity:</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_PreferredStockValue', window );">Total preferred equity</a></td>
<td class="nump">$ 17,340<span></span>
</td>
<td class="nump">$ 17,340<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_us-gaap_CommonStockValue', window );">Common stock, $0.01 par value; 50,000,000 shares authorized; 14,397,509 shares issued</a></td>
<td class="nump">144<span></span>
</td>
<td class="nump">144<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_us-gaap_AdditionalPaidInCapital', window );">Additional paid-in capital</a></td>
<td class="nump">72,690<span></span>
</td>
<td class="nump">72,955<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_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
<td class="nump">218,920<span></span>
</td>
<td class="nump">203,312<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_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Accumulated other comprehensive loss</a></td>
<td class="num">(11,327)<span></span>
</td>
<td class="num">(9,011)<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_us-gaap_TreasuryStockValue', window );">Treasury stock, at cost - 207,317 and 279,461 shares, respectively</a></td>
<td class="num">(3,923)<span></span>
</td>
<td class="num">(5,208)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Total shareholders' equity</a></td>
<td class="nump">293,844<span></span>
</td>
<td class="nump">279,532<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and shareholders' equity</a></td>
<td class="nump">3,381,024<span></span>
</td>
<td class="nump">3,089,521<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=fisi_Series3PreferredStockMember', window );">Series A 3% Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_StockholdersEquityAbstract', window );"><strong>Shareholders' equity:</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_PreferredStockValue', window );">Total preferred equity</a></td>
<td class="nump">149<span></span>
</td>
<td class="nump">149<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember', window );">Series B-1 8.48% Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_StockholdersEquityAbstract', window );"><strong>Shareholders' equity:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_PreferredStockValue', window );">Total preferred equity</a></td>
<td class="nump">$ 17,191<span></span>
</td>
<td class="nump">$ 17,191<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax">
<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>Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e681-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14A<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669686-108580<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 31<br> -Article 5<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Article 3<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;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdditionalPaidInCapital">
<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>Excess of issue price over par or stated value of the entity's capital stock and amounts received from other transactions involving the entity's stock or stockholders. Includes adjustments to additional paid in capital. Some examples of such adjustments include recording the issuance of debt with a beneficial conversion feature and certain tax consequences of equity instruments awarded to employees. Use this element for the aggregate amount of additional paid-in capital associated with common and preferred stock. For additional paid-in capital associated with only common stock, use the element additional paid in capital, common stock. For additional paid-in capital associated with only preferred stock, use the element additional paid in capital, preferred stock.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.30(a)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 31<br> -Article 5<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;">us-gaap_AdditionalPaidInCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
<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>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.18)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 12<br> -Article 7<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 18<br> -Article 5<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;">us-gaap_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsAbstract">
<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 );">- References</a><div><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;">us-gaap_AssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_AvailableForSaleSecurities">
<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>Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 25<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (aa)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<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;">us-gaap_AvailableForSaleSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankOwnedLifeInsurance">
<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 carrying amount of a life insurance policy on an officer, executive or employee for which the reporting entity (a bank) is entitled to proceeds from the policy upon death of the insured or surrender of the insurance policy.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.10)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 10<br> -Article 9<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;">us-gaap_BankOwnedLifeInsurance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndDueFromBanks">
<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>For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Cash<br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Cash Equivalents<br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 1, 2, 3<br> -Article 9<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;">us-gaap_CashAndDueFromBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommitmentsAndContingencies">
<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>Represents the caption on the face of the balance sheet to indicate that the entity has entered into (1) purchase or supply arrangements that will require expending a portion of its resources to meet the terms thereof, and (2) is exposed to potential losses or, less frequently, gains, arising from (a) possible claims against a company's resources due to future performance under contract terms, and (b) possible losses or likely gains from uncertainties that will ultimately be resolved when one or more future events that are deemed likely to occur do occur or fail to occur.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.(a),19)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 450<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=25496072&amp;loc=d3e14326-108349<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.17)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.25)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 19<br> -Article 7<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 25<br> -Article 5<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 17<br> -Article 9<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;">us-gaap_CommitmentsAndContingencies</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockValue">
<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>Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 30<br> -Article 5<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;">us-gaap_CommonStockValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
<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 aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 12<br> -Article 9<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;">us-gaap_Deposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsAbstract">
<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 );">- References</a><div><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;">us-gaap_DepositsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_DepositsSavingsDeposits">
<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>Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<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;">us-gaap_DepositsSavingsDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecurities">
<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>Amount after other than temporary impairment (OTTI) accretion, of investments in debt securities classified as held-to-maturity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 25<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.6)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<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;">us-gaap_HeldToMaturitySecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IntangibleAssetsNetIncludingGoodwill">
<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>Carrying amount of finite-lived intangible assets, indefinite-lived intangible assets and goodwill. Goodwill is an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized. Intangible assets are assets, not including financial assets, lacking physical substance.</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;">us-gaap_IntangibleAssetsNetIncludingGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDepositLiabilities">
<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 aggregate of all domestic and foreign interest-bearing deposit liabilities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 12<br> -Article 9<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;">us-gaap_InterestBearingDepositLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Liabilities">
<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>Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19-26)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<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;">us-gaap_Liabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquity">
<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>Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.32)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 25<br> -Article 7<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 32<br> -Article 5<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;">us-gaap_LiabilitiesAndStockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
<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>Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<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;">us-gaap_LoansAndLeasesReceivableNetReportedAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansReceivableHeldForSaleNet">
<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>Amount classified as loans attributable to disposal group held for sale or disposed of. Excludes loans and leases covered under loss sharing agreements and loans classified as debt securities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.7(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 35<br> -Paragraph 49<br> -URI http://asc.fasb.org/extlink&amp;oid=35742846&amp;loc=d3e3084-111518<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 948<br> -SubTopic 310<br> -Section 30<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6490209&amp;loc=d3e48214-111002<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 7<br> -Subparagraph a<br> -Article 9<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;">us-gaap_LoansReceivableHeldForSaleNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebt">
<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>Carrying amount of long-term debt, net of unamortized discount or premium, including current and noncurrent amounts. Includes, but not limited to, notes payable, bonds payable, debentures, mortgage loans and commercial paper. Excludes capital lease obligations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.16)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.22)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.16)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 16<br> -Article 9<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 20, 22<br> -Article 5<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 16<br> -Article 7<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;">us-gaap_LongTermDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestBearingDepositLiabilities">
<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 aggregate amount of all domestic and foreign noninterest-bearing deposits liabilities held by the entity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 12<br> -Article 9<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;">us-gaap_NoninterestBearingDepositLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssets">
<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 aggregate carrying amounts, as of the balance sheet date, of assets not separately disclosed in the balance sheet.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.17)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 10<br> -Article 7<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 17<br> -Article 5<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;">us-gaap_OtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherLiabilities">
<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 aggregate carrying amount, as of the balance sheet date, of liabilities not separately disclosed in the balance sheet.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.15)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 15<br> -Article 9<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;">us-gaap_OtherLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockValue">
<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>Aggregate par or stated value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.28)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Article 3<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29<br> -Article 5<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;">us-gaap_PreferredStockValue</td>
</tr>
<tr>
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<td><strong> Balance Type:</strong></td>
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<tr>
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<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentNet">
<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>Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 13<br> -Subparagraph a<br> -Article 5<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 8<br> -Article 7<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;">us-gaap_PropertyPlantAndEquipmentNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetainedEarningsAccumulatedDeficit">
<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 cumulative amount of the reporting entity's undistributed earnings or deficit.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.31(a)(3))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 31<br> -Article 5<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Article 3<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;">us-gaap_RetainedEarningsAccumulatedDeficit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermBorrowings">
<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>Reflects the total carrying amount as of the balance sheet date of debt having initial terms less than one year or the normal operating cycle, if longer.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.(a),16(a)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 16<br> -Subparagraph a(1)<br> -Article 7<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 19<br> -Subparagraph a<br> -Article 5<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 13<br> -Subparagraph 2, 3<br> -Article 9<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;">us-gaap_ShortTermBorrowings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
<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>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB TOPIC 4.E)<br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74512-122707<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29-31)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29, 30, 31<br> -Article 5<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Staff Accounting Bulletin (SAB)<br> -Number Topic 4<br> -Section E<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;">us-gaap_StockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquityAbstract">
<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 );">- References</a><div><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;">us-gaap_StockholdersEquityAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits">
<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>Amount of deposits that cannot be withdrawn before a set date without penalty or for which notice of withdrawal is required. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 12<br> -Article 9<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;">us-gaap_TimeDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockValue">
<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 amount allocated to treasury stock. Treasury stock is common and preferred shares of an entity that were issued, repurchased by the entity, and are held in its treasury.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=6405834&amp;loc=d3e23315-112656<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;">us-gaap_TreasuryStockValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=fisi_Series3PreferredStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=fisi_Series3PreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6845822592">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Consolidated Statements Of Financial Condition (Parenthetical) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</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_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Securities held to maturity, fair value</a></td>
<td class="nump">$ 490,064<span></span>
</td>
<td class="nump">$ 298,695<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_us-gaap_LoansAndLeasesReceivableAllowance', window );">Loans, allowance for loan losses</a></td>
<td class="nump">27,085<span></span>
</td>
<td class="nump">$ 27,637<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_us-gaap_UnamortizedDebtIssuanceExpense', window );">Debt issuance costs</a></td>
<td class="nump">$ 1,010<span></span>
</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_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par value</a></td>
<td class="nump">$ 100<span></span>
</td>
<td class="text">&#160;<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_us-gaap_PreferredStockSharesAuthorized', window );">Preferred stock, shares authorized</a></td>
<td class="nump">210,000<span></span>
</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_us-gaap_PreferredStockSharesIssued', window );">Preferred stock, shares issued</a></td>
<td class="nump">173,398<span></span>
</td>
<td class="nump">173,398<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_us-gaap_PreferredStockSharesOutstanding', window );">Preferred stock, shares outstanding</a></td>
<td class="nump">173,398<span></span>
</td>
<td class="nump">173,398<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_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value</a></td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="nump">$ 0.01<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_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized</a></td>
<td class="nump">50,000,000<span></span>
</td>
<td class="nump">50,000,000<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_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued</a></td>
<td class="nump">14,397,509<span></span>
</td>
<td class="nump">14,397,509<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_us-gaap_TreasuryStockShares', window );">Treasury stock, shares</a></td>
<td class="nump">207,317<span></span>
</td>
<td class="nump">279,461<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=fisi_Series3PreferredStockMember', window );">Series A 3% Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par value</a></td>
<td class="nump">$ 100<span></span>
</td>
<td class="nump">$ 100<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_us-gaap_PreferredStockSharesAuthorized', window );">Preferred stock, shares authorized</a></td>
<td class="nump">1,533<span></span>
</td>
<td class="nump">1,533<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_us-gaap_PreferredStockSharesIssued', window );">Preferred stock, shares issued</a></td>
<td class="nump">1,492<span></span>
</td>
<td class="nump">1,492<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_us-gaap_PreferredStockDividendRatePercentage', window );">Preferred stock, dividend percentage</a></td>
<td class="nump">3.00%<span></span>
</td>
<td class="nump">3.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember', window );">Series B-1 8.48% Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par value</a></td>
<td class="nump">$ 100<span></span>
</td>
<td class="nump">$ 100<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_us-gaap_PreferredStockSharesAuthorized', window );">Preferred stock, shares authorized</a></td>
<td class="nump">200,000<span></span>
</td>
<td class="nump">200,000<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_us-gaap_PreferredStockSharesIssued', window );">Preferred stock, shares issued</a></td>
<td class="nump">171,906<span></span>
</td>
<td class="nump">171,906<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_us-gaap_PreferredStockDividendRatePercentage', window );">Preferred stock, dividend percentage</a></td>
<td class="nump">8.48%<span></span>
</td>
<td class="nump">8.48%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockParOrStatedValuePerShare">
<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>Face amount or stated value per share of common stock.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 30<br> -Article 5<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;">us-gaap_CommonStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesAuthorized">
<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 maximum number of common shares permitted to be issued by an entity's charter and bylaws.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 30<br> -Article 5<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;">us-gaap_CommonStockSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesIssued">
<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>Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 30<br> -Article 5<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;">us-gaap_CommonStockSharesIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesFairValue">
<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>Fair value of investments in debt securities classified as held-to-maturity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (aa)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<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;">us-gaap_HeldToMaturitySecuritiesFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableAllowance">
<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>Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.7(d))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)(1)(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=6379141&amp;loc=d3e15032-111544<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 7<br> -Subparagraph d<br> -Article 9<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Staff Accounting Bulletin (SAB)<br> -Number Topic 6<br> -Section L<br> -Subsection 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;">us-gaap_LoansAndLeasesReceivableAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockDividendRatePercentage">
<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 percentage rate used to calculate dividend payments on preferred stock.</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;">us-gaap_PreferredStockDividendRatePercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_us-gaap_PreferredStockParOrStatedValuePerShare">
<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>Face amount or stated value per share of preferred stock nonredeemable or redeemable solely at the option of the issuer.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.28)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29<br> -Article 5<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;">us-gaap_PreferredStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesAuthorized">
<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 maximum number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) permitted to be issued by an entity's charter and bylaws.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.28)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29<br> -Article 5<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;">us-gaap_PreferredStockSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesIssued">
<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>Total number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased, and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.28)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29<br> -Article 5<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;">us-gaap_PreferredStockSharesIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesOutstanding">
<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>Aggregate share number for all nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by stockholders. Does not include preferred shares that have been repurchased.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.28)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29<br> -Article 5<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;">us-gaap_PreferredStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockShares">
<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>Number of common and preferred shares that were previously issued and that were repurchased by the issuing entity and held in treasury on the financial statement date. This stock has no voting rights and receives no dividends.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.28,29)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29, 30<br> -Article 5<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;">us-gaap_TreasuryStockShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnamortizedDebtIssuanceExpense">
<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 remaining balance of debt issuance expenses that were capitalized and are being amortized against income over the lives of the respective bond issues. This does not include the amounts capitalized as part of the cost of the utility plant or asset.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.17)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<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;">us-gaap_UnamortizedDebtIssuanceExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=fisi_Series3PreferredStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=fisi_Series3PreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>17
<FILENAME>R4.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6846664912">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Consolidated Statements Of Income - USD ($)<br> shares in Thousands, $ in Thousands</strong></div></th>
<th class="th" colspan="4">12 Months Ended</th>
</tr>
<tr>
<th class="th" colspan="2"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_InterestAndDividendIncomeOperatingAbstract', window );"><strong>Interest income:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</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_us-gaap_InterestAndFeeIncomeLoansAndLeases', window );">Interest and fees on loans</a></td>
<td class="nump">$ 83,575<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">$ 82,453<span></span>
</td>
<td class="nump">$ 81,468<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_us-gaap_InterestAndDividendIncomeSecurities', window );">Interest and dividends on investment securities</a></td>
<td class="nump">21,875<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">18,602<span></span>
</td>
<td class="nump">17,463<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Total interest income</a></td>
<td class="nump">105,450<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">101,055<span></span>
</td>
<td class="nump">98,931<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_us-gaap_InterestExpenseAbstract', window );"><strong>Interest expense:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</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_us-gaap_InterestExpenseDeposits', window );">Deposits</a></td>
<td class="nump">7,306<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6,366<span></span>
</td>
<td class="nump">6,600<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_us-gaap_InterestExpenseShortTermBorrowings', window );">Short-term borrowings</a></td>
<td class="nump">1,081<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">$ 915<span></span>
</td>
<td class="nump">$ 737<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_us-gaap_InterestExpenseLongTermDebt', window );">Long-term borrowings</a></td>
<td class="nump">1,750<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Total interest expense</a></td>
<td class="nump">10,137<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">$ 7,281<span></span>
</td>
<td class="nump">$ 7,337<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
<td class="nump">95,313<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">93,774<span></span>
</td>
<td class="nump">91,594<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_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for loan losses</a></td>
<td class="nump">7,381<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">7,789<span></span>
</td>
<td class="nump">9,079<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss', window );">Net interest income after provision for loan losses</a></td>
<td class="nump">87,932<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">85,985<span></span>
</td>
<td class="nump">82,515<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_us-gaap_NoninterestIncomeAbstract', window );"><strong>Noninterest income:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FeesAndCommissionsDepositorAccounts', window );">Service charges on deposits</a></td>
<td class="nump">7,742<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">8,954<span></span>
</td>
<td class="nump">9,948<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_us-gaap_InsuranceServicesRevenue', window );">Insurance income</a></td>
<td class="nump">5,166<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,399<span></span>
</td>
<td class="nump">262<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AtmAndDebitCard', window );">ATM and debit card</a></td>
<td class="nump">5,084<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">4,963<span></span>
</td>
<td class="nump">5,098<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_us-gaap_BrokerageCommissionsRevenue', window );">Investment advisory</a></td>
<td class="nump">2,193<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,138<span></span>
</td>
<td class="nump">2,345<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_us-gaap_BankOwnedLifeInsuranceIncome', window );">Company owned life insurance</a></td>
<td class="nump">1,962<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,753<span></span>
</td>
<td class="nump">1,706<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_NoninterestIncomeInvestmentsInLimitedPartnerships', window );">Investments in limited partnerships</a></td>
<td class="nump">895<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,103<span></span>
</td>
<td class="nump">857<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_us-gaap_ServicingFeesNet', window );">Loan servicing</a></td>
<td class="nump">503<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">568<span></span>
</td>
<td class="nump">570<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_us-gaap_GainLossOnSalesOfLoansNet', window );">Net gain on sale of loans held for sale</a></td>
<td class="nump">249<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">313<span></span>
</td>
<td class="nump">117<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_us-gaap_GainLossOnSaleOfSecuritiesNet', window );">Net gain on disposal of investment securities</a></td>
<td class="nump">1,988<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,041<span></span>
</td>
<td class="nump">1,226<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_us-gaap_GainLossOnSaleOfOtherAssets', window );">Net gain (loss) on sale and disposal of other assets</a></td>
<td class="nump">27<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">69<span></span>
</td>
<td class="num">(103)<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_us-gaap_InvestmentTaxCredit', window );">Amortization of tax credit investment</a></td>
<td class="num">(390)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(2,323)<span></span>
</td>
<td class="text">&#160;<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_us-gaap_NoninterestIncomeOtherOperatingIncome', window );">Other</a></td>
<td class="nump">4,918<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3,372<span></span>
</td>
<td class="nump">2,807<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Total noninterest income</a></td>
<td class="nump">30,337<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">25,350<span></span>
</td>
<td class="nump">24,833<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_us-gaap_NoninterestExpenseAbstract', window );"><strong>Noninterest expense:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</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_us-gaap_LaborAndRelatedExpense', window );">Salaries and employee benefits</a></td>
<td class="nump">42,439<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">38,595<span></span>
</td>
<td class="nump">37,828<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_us-gaap_OccupancyNet', window );">Occupancy and equipment</a></td>
<td class="nump">13,856<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">12,829<span></span>
</td>
<td class="nump">12,366<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_us-gaap_ProfessionalFees', window );">Professional services</a></td>
<td class="nump">4,502<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">4,760<span></span>
</td>
<td class="nump">3,836<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_us-gaap_InformationTechnologyAndDataProcessing', window );">Computer and data processing</a></td>
<td class="nump">3,186<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3,016<span></span>
</td>
<td class="nump">2,848<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_us-gaap_SuppliesAndPostageExpense', window );">Supplies and postage</a></td>
<td class="nump">2,155<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,053<span></span>
</td>
<td class="nump">2,342<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_us-gaap_FederalDepositInsuranceCorporationPremiumExpense', window );">FDIC assessments</a></td>
<td class="nump">1,719<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,592<span></span>
</td>
<td class="nump">1,464<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_us-gaap_MarketingAndAdvertisingExpense', window );">Advertising and promotions</a></td>
<td class="nump">1,120<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">805<span></span>
</td>
<td class="nump">896<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_us-gaap_GoodwillImpairmentLoss', window );">Goodwill impairment</a></td>
<td class="nump">751<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</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_us-gaap_OtherNoninterestExpense', window );">Other</a></td>
<td class="nump">9,665<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">8,705<span></span>
</td>
<td class="nump">7,861<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Total noninterest expense</a></td>
<td class="nump">79,393<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">72,355<span></span>
</td>
<td class="nump">69,441<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Income before income taxes</a></td>
<td class="nump">38,876<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">38,980<span></span>
</td>
<td class="nump">37,907<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_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
<td class="nump">10,539<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">9,625<span></span>
</td>
<td class="nump">12,377<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="nump">28,337<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">29,355<span></span>
</td>
<td class="nump">25,530<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_us-gaap_PreferredStockDividendsIncomeStatementImpact', window );">Preferred stock dividends</a></td>
<td class="nump">1,462<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,462<span></span>
</td>
<td class="nump">1,466<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">Net income available to common shareholders</a></td>
<td class="nump">$ 26,875<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">$ 27,893<span></span>
</td>
<td class="nump">$ 24,064<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_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings per common share (Note 16):</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</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_us-gaap_EarningsPerShareBasic', window );">Basic</a></td>
<td class="nump">$ 1.91<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">$ 2.01<span></span>
</td>
<td class="nump">$ 1.75<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_us-gaap_EarningsPerShareDiluted', window );">Diluted</a></td>
<td class="nump">1.90<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2.00<span></span>
</td>
<td class="nump">1.75<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_us-gaap_CommonStockDividendsPerShareDeclared', window );">Cash dividends declared per common share</a></td>
<td class="nump">$ 0.80<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">$ 0.77<span></span>
</td>
<td class="nump">$ 0.74<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_us-gaap_WeightedAverageNumberOfSharesOutstandingBasicAbstract', window );"><strong>Weighted average common shares outstanding:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</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_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Basic</a></td>
<td class="nump">14,081<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">13,893<span></span>
</td>
<td class="nump">13,739<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_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Diluted</a></td>
<td class="nump">14,135<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">13,946<span></span>
</td>
<td class="nump">13,784<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top">Insurance segment includes goodwill impairment of $751 thousand</td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_AtmAndDebitCard">
<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>ATM and debit card</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;">fisi_AtmAndDebitCard</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_fisi_NoninterestIncomeInvestmentsInLimitedPartnerships">
<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>Noninterest income from investments in limited partnerships.</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;">fisi_NoninterestIncomeInvestmentsInLimitedPartnerships</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_BankOwnedLifeInsuranceIncome">
<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>Earnings on or other increases in the value of the cash surrender value of bank owned life insurance policies.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<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;">us-gaap_BankOwnedLifeInsuranceIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_BrokerageCommissionsRevenue">
<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>Amount of commission revenue from buying and selling securities on behalf of customers.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 940<br> -SubTopic 20<br> -Section 05<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=35709949&amp;loc=d3e40544-110947<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13(a),(b))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<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;">us-gaap_BrokerageCommissionsRevenue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_CommonStockDividendsPerShareDeclared">
<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>Aggregate dividends declared during the period for each share of common stock outstanding.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Article 3<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;">us-gaap_CommonStockDividendsPerShareDeclared</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_EarningsPerShareAbstract">
<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 );">- References</a><div><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;">us-gaap_EarningsPerShareAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_EarningsPerShareBasic">
<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 amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.21)<br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 55<br> -Paragraph 52<br> -URI http://asc.fasb.org/extlink&amp;oid=32703322&amp;loc=d3e4984-109258<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.19)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.23)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 18<br> -Article 7<br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 20<br> -Article 5<br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 21<br> -Article 9<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;">us-gaap_EarningsPerShareBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_EarningsPerShareDiluted">
<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 amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.21)<br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 18<br> -Article 7<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 20<br> -Article 5<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 21<br> -Article 9<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;">us-gaap_EarningsPerShareDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_FederalDepositInsuranceCorporationPremiumExpense">
<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>Amount of expense for Federal Deposit Insurance Corporation (FDIC) insurance.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<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;">us-gaap_FederalDepositInsuranceCorporationPremiumExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_FeesAndCommissionsDepositorAccounts">
<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>Includes amounts charged depositors for: (1) maintenance of their accounts (maintenance charges); (2) failure to maintain specified minimum balances on account; (3) exceeding the number of checks or transactions allowed to be processed in a given period; (4) checks drawn on no minimum balance deposit accounts; (5) withdrawals from nontransaction deposit accounts; (6) closing savings accounts before a specified minimum period of time has elapsed; (7) accounts which have remained inactive for extended periods of time or which have become dormant; (8) use of automated teller machines or remote service units; (9) checks drawn against insufficient funds that the bank assesses regardless of whether it decides to pay, return or hold the check; (10) issuing stop payment orders; (11) certifying checks; and (12) accumulating or disbursing funds deposited in IRAs or Keogh Plan accounts when not handled by the bank's trust department. This item does not include penalties assessed on the early withdrawal of time deposits.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13 (d))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 13<br> -Article 9<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;">us-gaap_FeesAndCommissionsDepositorAccounts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_GainLossOnSaleOfOtherAssets">
<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>Amount of gain (loss) on sale or disposal of other assets.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<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;">us-gaap_GainLossOnSaleOfOtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_GainLossOnSaleOfSecuritiesNet">
<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 net gain (loss) realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 13<br> -Subparagraph h<br> -Article 9<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 3<br> -Article 7<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;">us-gaap_GainLossOnSaleOfSecuritiesNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_GainLossOnSalesOfLoansNet">
<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 net gain (loss) resulting from a sale of loans, including adjustments to record loans classified as held-for-sale at the lower-of-cost-or-market and fair value adjustments to loan held for investment purposes.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.3(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<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;">us-gaap_GainLossOnSalesOfLoansNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_GoodwillImpairmentLoss">
<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>Amount of loss from the write-down of an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13854-109267<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13777-109266<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<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;">us-gaap_GoodwillImpairmentLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest">
<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>This element represents the income or loss from continuing operations attributable to the economic entity which may also be defined as revenue less expenses from ongoing operations, after income or loss from equity method investments, but before income taxes, extraordinary items, and noncontrolling interest.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 940<br> -SubTopic 20<br> -Section 25<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=35710027&amp;loc=d3e41242-110953<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 10<br> -Article 5<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;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_IncomeTaxExpenseBenefit">
<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>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a),(b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Income Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 08<br> -Paragraph h<br> -Article 4<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;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_InformationTechnologyAndDataProcessing">
<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 amount of expenses incurred in the period for information technology and data processing products and services.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.6)<br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<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;">us-gaap_InformationTechnologyAndDataProcessing</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_InsuranceServicesRevenue">
<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>Revenue from insurance services, including net premiums earned, gain on sale of insurance block, agency management fees and insurance contract fees and commissions.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.1,4)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<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;">us-gaap_InsuranceServicesRevenue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_InterestAndDividendIncomeOperating">
<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>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.1-5)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 1, 2 , 3, 4, 5<br> -Article 9<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;">us-gaap_InterestAndDividendIncomeOperating</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_InterestAndDividendIncomeOperatingAbstract">
<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 );">- References</a><div><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;">us-gaap_InterestAndDividendIncomeOperatingAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_InterestAndDividendIncomeSecurities">
<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>Amount of operating dividend and interest income, including amortization and accretion of premiums and discounts, on securities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.2,3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 35<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=27723805&amp;loc=d3e24721-111560<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 2, 3<br> -Article 9<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;">us-gaap_InterestAndDividendIncomeSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_InterestAndFeeIncomeLoansAndLeases">
<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 aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 1<br> -Article 9<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;">us-gaap_InterestAndFeeIncomeLoansAndLeases</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_InterestExpense">
<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>Amount of the cost of borrowed funds accounted for as interest expense.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.9)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 9<br> -Article 9<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;">us-gaap_InterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_InterestExpenseAbstract">
<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 );">- References</a><div><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;">us-gaap_InterestExpenseAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_InterestExpenseDeposits">
<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>Aggregate amount of interest expense on all deposits.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.6)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 6<br> -Article 9<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;">us-gaap_InterestExpenseDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_InterestExpenseLongTermDebt">
<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>Aggregate amount of interest paid or due on all long-term debt.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.8)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 8<br> -Article 9<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;">us-gaap_InterestExpenseLongTermDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_InterestExpenseShortTermBorrowings">
<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 aggregate interest expense incurred on short-term borrowings including commercial paper and Federal funds purchased and securities sold under agreements to repurchase.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 7<br> -Article 9<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;">us-gaap_InterestExpenseShortTermBorrowings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss">
<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>Amount of interest income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 12<br> -Article 9<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;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_InterestIncomeExpenseNet">
<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 net amount of operating interest income (expense).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.10)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 10<br> -Article 9<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;">us-gaap_InterestIncomeExpenseNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_InvestmentTaxCredit">
<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 amount deducted from an entities' taxes, reflecting a percentage of an amount invested in certain assets spread over the useful life of those assets; includes deferred investment tax credits.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<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;">us-gaap_InvestmentTaxCredit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_LaborAndRelatedExpense">
<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 aggregate amount of expenditures for salaries, wages, profit sharing and incentive compensation, and other employee benefits, including equity-based compensation, and pension and other postretirement benefit expense.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.4)<br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<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;">us-gaap_LaborAndRelatedExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_MarketingAndAdvertisingExpense">
<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 total expense recognized in the period for promotion, public relations, and brand or product advertising.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.4)<br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<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;">us-gaap_MarketingAndAdvertisingExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_NetIncomeLoss">
<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 portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Net Income<br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.19)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.18)<br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.22)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Other Comprehensive Income<br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 19<br> -Article 5<br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 20<br> -Article 9<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;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic">
<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>Net income after adjustments for dividends on preferred stock (declared in the period) and/or cumulative preferred stock (accumulated for the period).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1377-109256<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;">us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_NoninterestExpense">
<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>Total aggregate amount of all noninterest expense.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 14<br> -Article 9<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;">us-gaap_NoninterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_NoninterestExpenseAbstract">
<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 );">- References</a><div><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;">us-gaap_NoninterestExpenseAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_NoninterestIncome">
<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 total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 13<br> -Article 9<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;">us-gaap_NoninterestIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_NoninterestIncomeAbstract">
<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 );">- References</a><div><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;">us-gaap_NoninterestIncomeAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_NoninterestIncomeOtherOperatingIncome">
<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>Represents other forms of revenue earned, excluding interest, which is not otherwise specified in the taxonomy.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.4)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 13<br> -Article 9<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;">us-gaap_NoninterestIncomeOtherOperatingIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_OccupancyNet">
<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>Amount of net occupancy expense that may include items, such as depreciation of facilities and equipment, lease expenses, property taxes and property and casualty insurance expense.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14(b))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.6)<br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6455398&amp;loc=d3e45280-112737<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;">us-gaap_OccupancyNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_OtherNoninterestExpense">
<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>Other noninterest expenses that are not separately presented in any other noninterest expense category.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<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;">us-gaap_OtherNoninterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_PreferredStockDividendsIncomeStatementImpact">
<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 amount of preferred stock dividends that is an adjustment to net income apportioned to common stockholders.</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;">us-gaap_PreferredStockDividendsIncomeStatementImpact</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ProfessionalFees">
<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 fee charged for services from professionals such as doctors, lawyers and accountants. The term is often expanded to include other professions, for example, pharmacists charging to maintain a medicinal profile of a client or customer.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 946<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07.2(a),(b),(c),(d))<br> -URI http://asc.fasb.org/extlink&amp;oid=6488393&amp;loc=d3e606610-122999<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 946<br> -SubTopic 225<br> -Section 45<br> -Paragraph 3<br> -Subparagraph (k)<br> -URI http://asc.fasb.org/extlink&amp;oid=6488370&amp;loc=d3e13550-115849<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;">us-gaap_ProfessionalFees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ProvisionForLoanAndLeaseLosses">
<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>Amount of expense related to estimated loss from loan and lease transactions.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.11)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 11<br> -Article 9<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;">us-gaap_ProvisionForLoanAndLeaseLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ServicingFeesNet">
<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>Amount of revenue from servicing real estate mortgages, credit cards, and other financial assets held by others. Includes premiums received in lieu of regular servicing fees.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13 (d))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 13<br> -Article 9<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;">us-gaap_ServicingFeesNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_SuppliesAndPostageExpense">
<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 aggregate amount of expenses directly related to the supplies and postage.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<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;">us-gaap_SuppliesAndPostageExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding">
<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 average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 16<br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1505-109256<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<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;">us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic">
<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>Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1448-109256<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Weighted-Average Number of Common Shares Outstanding<br> -URI http://asc.fasb.org/extlink&amp;oid=6528421<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;">us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_WeightedAverageNumberOfSharesOutstandingBasicAbstract">
<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 );">- References</a><div><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;">us-gaap_WeightedAverageNumberOfSharesOutstandingBasicAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
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<head>
<title></title>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6845836672">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Consolidated Statements Of Comprehensive Income - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract', window );"><strong>Consolidated Statements Of Comprehensive Income [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="nump">$ 28,337<span></span>
</td>
<td class="nump">$ 29,355<span></span>
</td>
<td class="nump">$ 25,530<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_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract', window );"><strong>Other comprehensive (loss) income, net of tax:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax', window );">Net unrealized (losses) gains on securities available for sale</a></td>
<td class="num">(2,321)<span></span>
</td>
<td class="nump">6,962<span></span>
</td>
<td class="num">(21,397)<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_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax', window );">Pension and post-retirement obligations</a></td>
<td class="nump">5<span></span>
</td>
<td class="num">(5,786)<span></span>
</td>
<td class="nump">7,957<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTax', window );">Total other comprehensive (loss) income, net of tax</a></td>
<td class="num">(2,316)<span></span>
</td>
<td class="nump">1,176<span></span>
</td>
<td class="num">(13,440)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTax', window );">Comprehensive income</a></td>
<td class="nump">$ 26,021<span></span>
</td>
<td class="nump">$ 30,531<span></span>
</td>
<td class="nump">$ 12,090<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Other Comprehensive Income<br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Comprehensive Income<br> -URI http://asc.fasb.org/extlink&amp;oid=35737396<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e557-108580<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Net Income<br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<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">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Net Income<br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.19)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.18)<br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.22)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Other Comprehensive Income<br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 19<br> -Article 5<br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 20<br> -Article 9<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">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after tax and reclassification adjustments, of appreciation (loss) in value of unsold available-for-sale securities. Excludes amounts related to other than temporary impairment (OTTI) loss.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after tax and reclassification adjustments of other comprehensive income (loss).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669619-108580<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">
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<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>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after tax and reclassification adjustments, of (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement defined benefit plans.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (i-k)<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<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>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6848613856">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Consolidated Statements Of Changes In Shareholders' Equity - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th">
<div>Series A 3% Preferred Stock [Member] </div>
<div>Retained Earnings [Member]</div>
</th>
<th class="th"><div>Series A 3% Preferred Stock [Member]</div></th>
<th class="th">
<div>Series B-1 8.48% Preferred Stock [Member] </div>
<div>Retained Earnings [Member]</div>
</th>
<th class="th"><div>Series B-1 8.48% Preferred Stock [Member]</div></th>
<th class="th"><div>Preferred Equity [Member]</div></th>
<th class="th"><div>Common Stock [Member]</div></th>
<th class="th"><div>Additional Paid-In Capital [Member]</div></th>
<th class="th"><div>Retained Earnings [Member]</div></th>
<th class="th"><div>Accumulated Other Comprehensive Loss [Member]</div></th>
<th class="th"><div>Treasury Stock [Member]</div></th>
<th class="th"><div>Total</div></th>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2012</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 17,471<span></span>
</td>
<td class="nump">$ 142<span></span>
</td>
<td class="nump">$ 67,710<span></span>
</td>
<td class="nump">$ 172,244<span></span>
</td>
<td class="nump">$ 3,253<span></span>
</td>
<td class="num">$ (6,923)<span></span>
</td>
<td class="nump">$ 253,897<span></span>
</td>
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<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_us-gaap_ComprehensiveIncomeNetOfTaxAbstract', window );"><strong>Comprehensive income:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">25,530<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">25,530<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_us-gaap_OtherComprehensiveIncomeLossNetOfTax', window );">Other comprehensive income (loss), net of tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(13,440)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(13,440)<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_us-gaap_TreasuryStockValueAcquiredCostMethod', window );">Purchases of common stock for treasury</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(229)<span></span>
</td>
<td class="num">(229)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_RepurchaseOfSeriesThreePercentagePreferredStock', window );">Repurchase of Series A 3% preferred stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_PaymentForRepurchaseOfSeriesBOneEightPointFourEightPercentPreferredStock', window );">Repurchase of Series B-1 8.48% preferred stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(128)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(130)<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_us-gaap_ShareBasedCompensationAbstract', window );"><strong>Share-based compensation plans:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensation', window );">Share-based compensation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">407<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">407<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_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised', window );">Stock options exercised</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">16<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">432<span></span>
</td>
<td class="nump">448<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_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation', window );">Restricted stock awards issued, net</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(446)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">446<span></span>
</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_us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation', window );">Excess tax benefit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(118)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(118)<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_us-gaap_StockGrantedDuringPeriodValueSharebasedCompensation', window );">Stock awards</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">105<span></span>
</td>
<td class="nump">112<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_us-gaap_DividendsCashAbstract', window );"><strong>Cash dividends declared:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DividendsPreferredStockCash', window );">Preferred stock dividends per share</a></td>
<td class="num">$ (5)<span></span>
</td>
<td class="num">$ (5)<span></span>
</td>
<td class="num">$ (1,461)<span></span>
</td>
<td class="num">$ (1,461)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DividendsCommonStockCash', window );">Common stock dividends per share</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(10,171)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(10,171)<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2013</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">17,342<span></span>
</td>
<td class="nump">142<span></span>
</td>
<td class="nump">67,574<span></span>
</td>
<td class="nump">186,137<span></span>
</td>
<td class="num">(10,187)<span></span>
</td>
<td class="num">(6,169)<span></span>
</td>
<td class="nump">254,839<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_us-gaap_ComprehensiveIncomeNetOfTaxAbstract', window );"><strong>Comprehensive income:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">29,355<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">29,355<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_us-gaap_OtherComprehensiveIncomeLossNetOfTax', window );">Other comprehensive income (loss), net of tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,176<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,176<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_us-gaap_StockIssuedDuringPeriodValueNewIssues', window );">Common stock issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">5,398<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5,400<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_us-gaap_TreasuryStockValueAcquiredCostMethod', window );">Purchases of common stock for treasury</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(194)<span></span>
</td>
<td class="num">(194)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_PaymentForRepurchaseOfSeriesBOneEightPointFourEightPercentPreferredStock', window );">Repurchase of Series B-1 8.48% preferred stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2)<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_us-gaap_ShareBasedCompensationAbstract', window );"><strong>Share-based compensation plans:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensation', window );">Share-based compensation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">471<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">471<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_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised', window );">Stock options exercised</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">32<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">635<span></span>
</td>
<td class="nump">667<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_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation', window );">Restricted stock awards issued, net</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(520)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">520<span></span>
</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_us-gaap_DividendsCashAbstract', window );"><strong>Cash dividends declared:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DividendsPreferredStockCash', window );">Preferred stock dividends per share</a></td>
<td class="num">(4)<span></span>
</td>
<td class="num">(4)<span></span>
</td>
<td class="num">(1,458)<span></span>
</td>
<td class="num">(1,458)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DividendsCommonStockCash', window );">Common stock dividends per share</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(10,718)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(10,718)<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2014</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">17,340<span></span>
</td>
<td class="nump">144<span></span>
</td>
<td class="nump">72,955<span></span>
</td>
<td class="nump">203,312<span></span>
</td>
<td class="num">(9,011)<span></span>
</td>
<td class="num">(5,208)<span></span>
</td>
<td class="nump">279,532<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_us-gaap_ComprehensiveIncomeNetOfTaxAbstract', window );"><strong>Comprehensive income:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">28,337<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">28,337<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_us-gaap_OtherComprehensiveIncomeLossNetOfTax', window );">Other comprehensive income (loss), net of tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2,316)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2,316)<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_us-gaap_TreasuryStockValueAcquiredCostMethod', window );">Purchases of common stock for treasury</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(202)<span></span>
</td>
<td class="num">(202)<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_us-gaap_ShareBasedCompensationAbstract', window );"><strong>Share-based compensation plans:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensation', window );">Share-based compensation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">674<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">674<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_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised', window );">Stock options exercised</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">353<span></span>
</td>
<td class="nump">359<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_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation', window );">Restricted stock awards issued, net</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,052)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,052<span></span>
</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_us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation', window );">Excess tax benefit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">79<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">79<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_us-gaap_StockGrantedDuringPeriodValueSharebasedCompensation', window );">Stock awards</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">28<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">82<span></span>
</td>
<td class="nump">110<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_us-gaap_DividendsCashAbstract', window );"><strong>Cash dividends declared:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DividendsPreferredStockCash', window );">Preferred stock dividends per share</a></td>
<td class="num">$ (4)<span></span>
</td>
<td class="num">$ (4)<span></span>
</td>
<td class="num">$ (1,458)<span></span>
</td>
<td class="num">$ (1,458)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DividendsCommonStockCash', window );">Common stock dividends per share</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(11,267)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(11,267)<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2015</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 17,340<span></span>
</td>
<td class="nump">$ 144<span></span>
</td>
<td class="nump">$ 72,690<span></span>
</td>
<td class="nump">$ 218,920<span></span>
</td>
<td class="num">$ (11,327)<span></span>
</td>
<td class="num">$ (3,923)<span></span>
</td>
<td class="nump">$ 293,844<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_PaymentForRepurchaseOfSeriesBOneEightPointFourEightPercentPreferredStock">
<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>Payment For Repurchase Of Series B-1 8.48% Preferred Stock</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;">fisi_PaymentForRepurchaseOfSeriesBOneEightPointFourEightPercentPreferredStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_RepurchaseOfSeriesThreePercentagePreferredStock">
<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>Repurchase of Series A 3% preferred stock.</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;">fisi_RepurchaseOfSeriesThreePercentagePreferredStock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation">
<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>Amount of increase in additional paid in capital (APIC) resulting from a tax benefit associated with share-based compensation plan other than an employee stock ownership plan (ESOP). Includes, but is not limited to, excess tax benefit.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 740<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6419406&amp;loc=d3e23524-113945<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<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;">us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_ComprehensiveIncomeNetOfTaxAbstract">
<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 );">- References</a><div><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;">us-gaap_ComprehensiveIncomeNetOfTaxAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsCashAbstract">
<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 );">- References</a><div><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;">us-gaap_DividendsCashAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsCommonStockCash">
<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>Amount of paid and unpaid common stock dividends declared with the form of settlement in cash.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Article 3<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;">us-gaap_DividendsCommonStockCash</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_DividendsPreferredStockCash">
<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>Amount of paid and unpaid preferred stock dividends declared with the form of settlement in cash.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 405<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6957935&amp;loc=d3e64057-112817<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Article 3<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;">us-gaap_DividendsPreferredStockCash</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</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_us-gaap_NetIncomeLoss">
<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 portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Net Income<br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.19)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.18)<br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.22)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Other Comprehensive Income<br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 19<br> -Article 5<br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 20<br> -Article 9<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;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_OtherComprehensiveIncomeLossNetOfTax">
<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>Amount after tax and reclassification adjustments of other comprehensive income (loss).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669619-108580<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;">us-gaap_OtherComprehensiveIncomeLossNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_ShareBasedCompensation">
<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 aggregate amount of noncash, equity-based employee remuneration. This may include the value of stock or unit options, amortization of restricted stock or units, and adjustment for officers' compensation. As noncash, this element is an add back when calculating net cash generated by operating activities using the indirect method.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<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;">us-gaap_ShareBasedCompensation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ShareBasedCompensationAbstract">
<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 );">- References</a><div><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;">us-gaap_ShareBasedCompensationAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_StockGrantedDuringPeriodValueSharebasedCompensation">
<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>Value, after forfeitures, of stock or other type of equity granted of any equity-based compensation plan other than an employee stock ownership plan (ESOP).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 30<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6743629&amp;loc=d3e3913-113898<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 30<br> -Section 35<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6418191&amp;loc=d3e15009-113911<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;">us-gaap_StockGrantedDuringPeriodValueSharebasedCompensation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_StockIssuedDuringPeriodValueNewIssues">
<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>Equity impact of the value of new stock issued during the period. Includes shares issued in an initial public offering or a secondary public offering.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29, 30, 31<br> -Article 5<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Article 3<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;">us-gaap_StockIssuedDuringPeriodValueNewIssues</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation">
<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>Value of stock (or other type of equity) issued during the period as a result of any equity-based compensation plan other than an employee stock ownership plan (ESOP), net of stock value of such awards forfeited. Stock issued could result from the issuance of restricted stock, the exercise of stock options, stock issued under employee stock purchase plans, and/or other employee benefit plans.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5047-113901<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Article 3<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29, 30, 31<br> -Article 5<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;">us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</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_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised">
<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>Value of stock issued as a result of the exercise of stock options.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29-31)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29, 30, 31<br> -Article 5<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Article 3<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;">us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_StockholdersEquity">
<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>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB TOPIC 4.E)<br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74512-122707<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29-31)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29, 30, 31<br> -Article 5<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Staff Accounting Bulletin (SAB)<br> -Number Topic 4<br> -Section E<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;">us-gaap_StockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockValueAcquiredCostMethod">
<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>Equity impact of the cost of common and preferred stock that were repurchased during the period. Recorded using the cost method.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6405813&amp;loc=d3e23239-112655<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Article 3<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;">us-gaap_TreasuryStockValueAcquiredCostMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_StatementClassOfStockAxis=fisi_Series3PreferredStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=fisi_Series3PreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_RetainedEarningsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_RetainedEarningsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_PreferredStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_PreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_CommonStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_CommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_AdditionalPaidInCapitalMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_AdditionalPaidInCapitalMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedOtherComprehensiveIncomeMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedOtherComprehensiveIncomeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_TreasuryStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_TreasuryStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<SEQUENCE>20
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6847409872">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Consolidated Statements Of Changes In Shareholders' Equity (Parenthetical) - $ / shares<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_CommonStockDividendsPerShareDeclared', window );">Common stock dividends per share, declared</a></td>
<td class="nump">$ 0.80<span></span>
</td>
<td class="nump">$ 0.77<span></span>
</td>
<td class="nump">$ 0.74<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=fisi_Series3PreferredStockMember', window );">Series A 3% Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_PreferredStockDividendsPerShareDeclared', window );">Preferred stock dividends per share, declared</a></td>
<td class="nump">$ 3.00<span></span>
</td>
<td class="nump">$ 3.00<span></span>
</td>
<td class="nump">3.00<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_us-gaap_PreferredStockDividendRatePercentage', window );">Preferred stock, dividend percentage</a></td>
<td class="nump">3.00%<span></span>
</td>
<td class="nump">3.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember', window );">Series B-1 8.48% Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_PreferredStockDividendsPerShareDeclared', window );">Preferred stock dividends per share, declared</a></td>
<td class="nump">$ 8.48<span></span>
</td>
<td class="nump">$ 8.48<span></span>
</td>
<td class="nump">$ 8.48<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_us-gaap_PreferredStockDividendRatePercentage', window );">Preferred stock, dividend percentage</a></td>
<td class="nump">8.48%<span></span>
</td>
<td class="nump">8.48%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockDividendsPerShareDeclared">
<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>Aggregate dividends declared during the period for each share of common stock outstanding.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Article 3<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;">us-gaap_CommonStockDividendsPerShareDeclared</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_PreferredStockDividendRatePercentage">
<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 percentage rate used to calculate dividend payments on preferred stock.</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;">us-gaap_PreferredStockDividendRatePercentage</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockDividendsPerShareDeclared">
<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>Aggregate dividends declared during the period for each share of preferred stock outstanding.</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;">us-gaap_PreferredStockDividendsPerShareDeclared</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_StatementClassOfStockAxis=fisi_Series3PreferredStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=fisi_Series3PreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>21
<FILENAME>R8.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6826563936">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Consolidated Statements Of Cash Flows - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Cash flows from operating activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="nump">$ 28,337<span></span>
</td>
<td class="nump">$ 29,355<span></span>
</td>
<td class="nump">$ 25,530<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_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to net cash provided by operating activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DepreciationAndAmortization', window );">Depreciation and amortization</a></td>
<td class="nump">5,429<span></span>
</td>
<td class="nump">4,583<span></span>
</td>
<td class="nump">4,181<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_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments', window );">Net amortization of premiums on securities</a></td>
<td class="nump">3,150<span></span>
</td>
<td class="nump">3,241<span></span>
</td>
<td class="nump">4,532<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_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for loan losses</a></td>
<td class="nump">7,381<span></span>
</td>
<td class="nump">7,789<span></span>
</td>
<td class="nump">9,079<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_us-gaap_ShareBasedCompensation', window );">Share-based compensation</a></td>
<td class="nump">674<span></span>
</td>
<td class="nump">471<span></span>
</td>
<td class="nump">407<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_us-gaap_DeferredIncomeTaxExpenseBenefit', window );">Deferred income tax expense</a></td>
<td class="nump">1,798<span></span>
</td>
<td class="nump">2,154<span></span>
</td>
<td class="nump">1,547<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_us-gaap_ProceedsFromSaleOfLoansHeldForSale', window );">Proceeds from sale of loans held for sale</a></td>
<td class="nump">16,195<span></span>
</td>
<td class="nump">16,543<span></span>
</td>
<td class="nump">26,184<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_us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale', window );">Originations of loans held for sale</a></td>
<td class="num">(16,621)<span></span>
</td>
<td class="num">(14,457)<span></span>
</td>
<td class="num">(31,657)<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_us-gaap_BankOwnedLifeInsuranceIncome', window );">Increase in company owned life insurance</a></td>
<td class="num">(1,962)<span></span>
</td>
<td class="num">(1,753)<span></span>
</td>
<td class="num">(1,706)<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_us-gaap_GainLossOnSalesOfLoansNet', window );">Net gain on sale of loans held for sale</a></td>
<td class="num">(249)<span></span>
</td>
<td class="num">(313)<span></span>
</td>
<td class="num">(117)<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_us-gaap_GainLossOnSaleOfSecuritiesNet', window );">Net gain on disposal of investment securities</a></td>
<td class="num">(1,988)<span></span>
</td>
<td class="num">(2,041)<span></span>
</td>
<td class="num">(1,226)<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_us-gaap_InvestmentTaxCredit', window );">Amortization of tax credit investment</a></td>
<td class="nump">390<span></span>
</td>
<td class="nump">2,323<span></span>
</td>
<td class="text">&#160;<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_us-gaap_GoodwillImpairmentLoss', window );">Goodwill impairment</a></td>
<td class="nump">751<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_GainLossOnSaleOfOtherAssets', window );">Net (gain) loss on sale and disposal of other assets</a></td>
<td class="num">(27)<span></span>
</td>
<td class="num">(69)<span></span>
</td>
<td class="nump">103<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_us-gaap_PensionAndOtherPostretirementBenefitContributions', window );">Contributions to defined pension plan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(8,000)<span></span>
</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_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">Increase in other assets</a></td>
<td class="num">(545)<span></span>
</td>
<td class="num">(1,606)<span></span>
</td>
<td class="num">(6,640)<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_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities', window );">Increase (decrease) in other liabilities</a></td>
<td class="nump">376<span></span>
</td>
<td class="num">(2,991)<span></span>
</td>
<td class="nump">6,981<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations', window );">Net cash provided by operating activities</a></td>
<td class="nump">43,089<span></span>
</td>
<td class="nump">35,229<span></span>
</td>
<td class="nump">37,198<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_us-gaap_PaymentsToAcquireInvestmentsAbstract', window );"><strong>Purchases of investment securities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_PaymentsToAcquireAvailableForSaleSecurities', window );">Available for sale</a></td>
<td class="num">(271,899)<span></span>
</td>
<td class="num">(236,043)<span></span>
</td>
<td class="num">(246,874)<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_us-gaap_PaymentsToAcquireHeldToMaturitySecurities', window );">Held to maturity</a></td>
<td class="num">(64,397)<span></span>
</td>
<td class="num">(63,770)<span></span>
</td>
<td class="num">(19,598)<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_us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract', window );"><strong>Proceeds from principal payments, maturities and calls on investment securities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities', window );">Available for sale</a></td>
<td class="nump">127,257<span></span>
</td>
<td class="nump">140,338<span></span>
</td>
<td class="nump">143,053<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_us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities', window );">Held to maturity</a></td>
<td class="nump">36,162<span></span>
</td>
<td class="nump">31,026<span></span>
</td>
<td class="nump">14,784<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_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities', window );">Proceeds from sales of securities available for sale</a></td>
<td class="nump">54,277<span></span>
</td>
<td class="nump">81,600<span></span>
</td>
<td class="nump">1,327<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_us-gaap_PaymentsForProceedsFromLoansAndLeases', window );">Net increase in loans, excluding sales</a></td>
<td class="num">(180,067)<span></span>
</td>
<td class="num">(84,812)<span></span>
</td>
<td class="num">(131,949)<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_us-gaap_PaymentsToAcquireLifeInsurancePolicies', window );">Purchases of company owned life insurance</a></td>
<td class="num">(79)<span></span>
</td>
<td class="num">(10,080)<span></span>
</td>
<td class="num">(79)<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_us-gaap_PaymentsForProceedsFromOtherInvestingActivities', window );">Proceeds from sales of other assets</a></td>
<td class="nump">365<span></span>
</td>
<td class="nump">1,576<span></span>
</td>
<td class="nump">555<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_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment', window );">Purchases of premises and equipment</a></td>
<td class="num">(7,493)<span></span>
</td>
<td class="num">(5,330)<span></span>
</td>
<td class="num">(3,411)<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_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired', window );">Cash consideration paid for acquisition, net of cash acquired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(7,995)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations', window );">Net cash used in investing activities</a></td>
<td class="num">(305,874)<span></span>
</td>
<td class="num">(153,490)<span></span>
</td>
<td class="num">(242,192)<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_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>Cash flows from financing activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_IncreaseDecreaseInDeposits', window );">Net increase in deposits</a></td>
<td class="nump">280,004<span></span>
</td>
<td class="nump">130,471<span></span>
</td>
<td class="nump">58,262<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_us-gaap_ProceedsFromRepaymentsOfShortTermDebt', window );">Net (decrease) increase in short-term borrowings</a></td>
<td class="num">(41,704)<span></span>
</td>
<td class="num">(2,238)<span></span>
</td>
<td class="nump">157,236<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_us-gaap_ProceedsFromIssuanceOfLongTermDebt', window );">Issuance of long-term debt</a></td>
<td class="nump">40,000<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_PaymentsOfDebtIssuanceCosts', window );">Debt issuance costs</a></td>
<td class="num">(1,060)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock', window );">Repurchase of preferred stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="num">(131)<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_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Purchase of common stock for treasury</a></td>
<td class="num">(202)<span></span>
</td>
<td class="num">(194)<span></span>
</td>
<td class="num">(229)<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_us-gaap_ProceedsFromStockOptionsExercised', window );">Proceeds from stock options exercised</a></td>
<td class="nump">359<span></span>
</td>
<td class="nump">667<span></span>
</td>
<td class="nump">448<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_us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities', window );">Excess tax benefit (expense) on share-based compensation</a></td>
<td class="nump">79<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(118)<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_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock', window );">Cash dividends paid to preferred shareholders</a></td>
<td class="num">(1,462)<span></span>
</td>
<td class="num">(1,463)<span></span>
</td>
<td class="num">(1,468)<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_us-gaap_PaymentsOfDividendsCommonStock', window );">Cash dividends paid to common shareholders</a></td>
<td class="num">(11,259)<span></span>
</td>
<td class="num">(10,521)<span></span>
</td>
<td class="num">(9,750)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations', window );">Net cash provided by financing activities</a></td>
<td class="nump">264,755<span></span>
</td>
<td class="nump">116,720<span></span>
</td>
<td class="nump">204,250<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">Net increase (decrease) in cash and cash equivalents</a></td>
<td class="nump">1,970<span></span>
</td>
<td class="num">(1,541)<span></span>
</td>
<td class="num">(744)<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_us-gaap_CashAndDueFromBanks', window );">Cash and cash equivalents, beginning of period</a></td>
<td class="nump">58,151<span></span>
</td>
<td class="nump">59,692<span></span>
</td>
<td class="nump">60,436<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_us-gaap_CashAndDueFromBanks', window );">Cash and cash equivalents, end of period</a></td>
<td class="nump">$ 60,121<span></span>
</td>
<td class="nump">$ 58,151<span></span>
</td>
<td class="nump">$ 59,692<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments">
<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 sum of the periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings. This is called accretion if the security was purchased at a discount and amortization if it was purchased at premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by or used in operations using the indirect method.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<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;">us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract">
<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 );">- References</a><div><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;">us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_BankOwnedLifeInsuranceIncome">
<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>Earnings on or other increases in the value of the cash surrender value of bank owned life insurance policies.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<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;">us-gaap_BankOwnedLifeInsuranceIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease">
<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>Amount of increase (decrease) in cash and cash equivalents. Cash and cash equivalents are the amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Includes effect from exchange rate changes.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 230<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6450594&amp;loc=d3e33268-110906<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;">us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_CashAndDueFromBanks">
<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>For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Cash<br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Cash Equivalents<br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 1, 2, 3<br> -Article 9<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;">us-gaap_CashAndDueFromBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxExpenseBenefit">
<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>Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Deferred Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=6510177<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 08<br> -Paragraph h<br> -Article 4<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Staff Accounting Bulletin (SAB)<br> -Number Topic 6<br> -Section I<br> -Subsection 7<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;">us-gaap_DeferredIncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_DepreciationAndAmortization">
<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 current period expense charged against earnings on long-lived, physical assets not used in production, and which are not intended for resale, to allocate or recognize the cost of such assets over their useful lives; or to record the reduction in book value of an intangible asset over the benefit period of such asset; or to reflect consumption during the period of an asset that is not used in production.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<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;">us-gaap_DepreciationAndAmortization</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities">
<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>Amount of cash inflow from realized tax benefit related to deductible compensation cost reported on the entity's tax return for equity instruments in excess of the compensation cost for those instruments recognized for financial reporting purposes.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 20<br> -Section 55<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=32706628&amp;loc=d3e11374-113907<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;">us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_GainLossOnSaleOfOtherAssets">
<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>Amount of gain (loss) on sale or disposal of other assets.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<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;">us-gaap_GainLossOnSaleOfOtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_GainLossOnSaleOfSecuritiesNet">
<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 net gain (loss) realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 13<br> -Subparagraph h<br> -Article 9<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 3<br> -Article 7<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;">us-gaap_GainLossOnSaleOfSecuritiesNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_GainLossOnSalesOfLoansNet">
<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 net gain (loss) resulting from a sale of loans, including adjustments to record loans classified as held-for-sale at the lower-of-cost-or-market and fair value adjustments to loan held for investment purposes.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.3(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<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;">us-gaap_GainLossOnSalesOfLoansNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_GoodwillImpairmentLoss">
<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>Amount of loss from the write-down of an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13854-109267<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13777-109266<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<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;">us-gaap_GoodwillImpairmentLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_IncreaseDecreaseInDeposits">
<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 net cash inflow or outflow for the increase (decrease) in the beginning and end of period deposits balances.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 230<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6477933&amp;loc=d3e60009-112784<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3095-108585<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;">us-gaap_IncreaseDecreaseInDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_IncreaseDecreaseInOtherOperatingAssets">
<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 increase (decrease) during the reporting period in other assets used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current assets, other noncurrent assets, or a combination of other current and noncurrent assets.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<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;">us-gaap_IncreaseDecreaseInOtherOperatingAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities">
<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 increase (decrease) during the reporting period in other liabilities used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current liabilities, other noncurrent liabilities, or a combination of other current and noncurrent liabilities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<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;">us-gaap_IncreaseDecreaseInOtherOperatingLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_InvestmentTaxCredit">
<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 amount deducted from an entities' taxes, reflecting a percentage of an amount invested in certain assets spread over the useful life of those assets; includes deferred investment tax credits.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<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;">us-gaap_InvestmentTaxCredit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract">
<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 );">- References</a><div><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;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations">
<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>Amount of cash inflow (outflow) of financing activities, excluding discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 26<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3574-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<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;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations">
<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>Amount of cash inflow (outflow) of investing activities, excluding discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 26<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3574-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<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;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract">
<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 );">- References</a><div><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;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations">
<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>Amount of cash inflow (outflow) from operating activities, excluding discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3536-108585<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;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</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_us-gaap_NetIncomeLoss">
<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 portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Net Income<br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.19)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.18)<br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.22)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Other Comprehensive Income<br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 19<br> -Article 5<br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 20<br> -Article 9<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;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale">
<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 aggregate amount of cash outflow for loans purchased and created with the intention to resell them in the near future.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 17<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3367-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 230<br> -Section 55<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=34726456&amp;loc=d3e60097-112785<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 21<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3461-108585<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;">us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsForProceedsFromLoansAndLeases">
<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 net cash outflow or inflow for the increase (decrease) in the beginning and end of period of loan and lease balances which are not originated or purchased specifically for resale. Includes cash payments and proceeds associated with (a) loans held-for-investment, (b) leases held-for-investment, and (c) both.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<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;">us-gaap_PaymentsForProceedsFromLoansAndLeases</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsForProceedsFromOtherInvestingActivities">
<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 net cash outflow or inflow from other investing activities. This element is used when there is not a more specific and appropriate element in the taxonomy.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Investing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3098-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3095-108585<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;">us-gaap_PaymentsForProceedsFromOtherInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsForRepurchaseOfCommonStock">
<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 cash outflow to reacquire common stock during the period.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Financing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<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;">us-gaap_PaymentsForRepurchaseOfCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock">
<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 cash outflow to reacquire preferred stock during the period.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Financing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<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;">us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsOfDebtIssuanceCosts">
<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 cash outflow paid to third parties in connection with debt origination, which will be amortized over the remaining maturity period of the associated long-term debt.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<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;">us-gaap_PaymentsOfDebtIssuanceCosts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsOfDividendsCommonStock">
<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>Amount of cash outflow in the form of ordinary dividends to common shareholders of the parent entity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Financing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<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;">us-gaap_PaymentsOfDividendsCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock">
<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>Amount of cash outflow in the form of ordinary dividends to preferred shareholders of the parent entity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Financing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<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;">us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsToAcquireAvailableForSaleSecurities">
<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 cash outflow to acquire debt and equity securities not classified as either held-to-maturity securities or trading securities which would be classified as available-for-sale securities and reported at fair value, with unrealized gains and losses excluded from earnings and reported in a separate component of shareholders' equity.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Investing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (a),(b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<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;">us-gaap_PaymentsToAcquireAvailableForSaleSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired">
<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 cash outflow associated with the acquisition of a business, net of the cash acquired from the purchase.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Investing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<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;">us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsToAcquireHeldToMaturitySecurities">
<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>Amount of cash outflow through purchase of long-term held-to-maturity securities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Investing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<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;">us-gaap_PaymentsToAcquireHeldToMaturitySecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsToAcquireInvestmentsAbstract">
<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 );">- References</a><div><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;">us-gaap_PaymentsToAcquireInvestmentsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_PaymentsToAcquireLifeInsurancePolicies">
<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 cash outflow for payments to purchase life insurance policies for which the entity is the beneficiary.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Investing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<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;">us-gaap_PaymentsToAcquireLifeInsurancePolicies</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment">
<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 cash outflow associated with the acquisition of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale; includes cash outflows to pay for construction of self-constructed assets.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Investing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<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;">us-gaap_PaymentsToAcquirePropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PensionAndOtherPostretirementBenefitContributions">
<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 amount of cash or cash equivalents contributed during the reporting period by the entity to fund its pension plans and its non-pension postretirement benefit plans.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3536-108585<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;">us-gaap_PensionAndOtherPostretirementBenefitContributions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_ProceedsFromIssuanceOfLongTermDebt">
<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 cash inflow from a debt initially having maturity due after one year or beyond the operating cycle, if longer.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3255-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Financing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<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;">us-gaap_ProceedsFromIssuanceOfLongTermDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities">
<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 cash inflow associated with maturities (principal being due), prepayments and calls (requests of early payments) on securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (a),(b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Investing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<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;">us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ProceedsFromRepaymentsOfShortTermDebt">
<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 net cash inflow or outflow for borrowing having initial term of repayment within one year or the normal operating cycle, if longer.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 9<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3098-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Financing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<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;">us-gaap_ProceedsFromRepaymentsOfShortTermDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities">
<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 cash inflow associated with the sale or maturity (principal being due) of securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (a),(b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Investing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<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;">us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities">
<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>Amount of cash inflow from the sale or maturity of long-term held-to-maturity securities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Investing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<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;">us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract">
<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 );">- References</a><div><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;">us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfLoansHeldForSale">
<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 cash inflow resulting from the sale of loans classified as held-for-sale, including proceeds from loans sold through mortgage securitization.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 16<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3337-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 21<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3461-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 230<br> -Section 55<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=34726456&amp;loc=d3e60097-112785<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;">us-gaap_ProceedsFromSaleOfLoansHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ProceedsFromStockOptionsExercised">
<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 cash inflow associated with the amount received from holders exercising their stock options. This item inherently excludes any excess tax benefit, which the entity may have realized and reported separately.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (j)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3255-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Financing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<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;">us-gaap_ProceedsFromStockOptionsExercised</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanAndLeaseLosses">
<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>Amount of expense related to estimated loss from loan and lease transactions.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.11)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 11<br> -Article 9<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;">us-gaap_ProvisionForLoanAndLeaseLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensation">
<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 aggregate amount of noncash, equity-based employee remuneration. This may include the value of stock or unit options, amortization of restricted stock or units, and adjustment for officers' compensation. As noncash, this element is an add back when calculating net cash generated by operating activities using the indirect method.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<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;">us-gaap_ShareBasedCompensation</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6834206032">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary Of Significant Accounting Policies<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_AccountingPoliciesAbstract', window );"><strong>Summary Of Significant Accounting Policies [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_us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock', window );">Summary Of Significant Accounting Policies</a></td>
<td class="text"><div> <p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(1.) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Financial Institutions, Inc. (individually referred to herein as the "Parent Company" and together with all of its subsidiaries, collectively referred to herein as the "Company") is a financial holding company organized in 1931 under the laws of New York State ("New York"). At December 31, 2015, the Company conducted its business through its two subsidiaries: Five Star Bank (the "Bank"), a New York chartered bank; and Scott Danahy Naylon, LLC ("SDN"), a full service insurance agency. The Company provides a full range of banking and related financial services to consumer, commercial and municipal customers through its bank and nonbank subsidiaries.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The accounting and reporting policies conform to general practices within the banking industry and to U.S. generally accepted accounting principles ("GAAP").</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company has evaluated events and transactions for potential recognition or disclosure through the day the financial statements were issued. Other than completing the acquisition of Courier Capital Corporation ("Courier"), as described below, the Company did not have any material recognizable subsequent events.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">On January 5, 2016, the Company completed its acquisition of Courier, a leading SEC-registered investment advisory and wealth management firm based in western New York, with operations in Buffalo and Jamestown. Courier will operate as a subsidiary of Financial Institutions, Inc. and an affiliate of the Bank and SDN.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The following is a description of the Company's significant accounting policies.</font></p>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(a.) Principles of Consolidation</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The consolidated financial statements include the accounts of the Company and its subsidiaries. All significant intercompany accounts and transactions have been eliminated in consolidation.</font></p></div>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(b.) Use of Estimates</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">In preparing the consolidated financial statements in conformity with GAAP, management is required to make estimates and assumptions that affect the reported amount of assets and liabilities as of the date of the statement of financial condition and reported amounts of revenue and expenses during the reporting period. Material estimates relate to the determination of the allowance for loan losses, the carrying value of goodwill and deferred tax assets, and assumptions used in the defined benefit pension plan accounting. These estimates and assumptions are based on management's best estimates and judgment and are evaluated on an ongoing basis using historical experience and other factors, including the current economic environment. The Company adjusts these estimates and assumptions when facts and circumstances dictate. As future events cannot be determined with precision, actual results could differ significantly from the Company's estimates.</font></p></div>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(c.) Cash Flow Reporting</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash and cash equivalents include cash and due from banks, federal funds sold and interest-bearing deposits in other banks. Net cash flows are reported for loans, deposit transactions and short-term borrowings.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Supplemental cash flow information is summarized as follows for the years ended December 31 (in thousands):</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left">

<table cellspacing="0" border="0">
<tr><td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td></tr>
<tr><td width="51%"> </td>
<td style="width: 15%; border-bottom: rgb(0,0,0) 1px solid;" width="15%" colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td width="2%"> </td>
<td style="width: 15%; border-bottom: rgb(0,0,0) 1px solid;" width="14%" colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td width="2%">&nbsp;</td>
<td style="width: 15%; border-bottom: rgb(0,0,0) 1px solid;" width="14%" colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash payments:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Interest expense</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,323</font></td>
<td align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,826</font></td>
<td align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,750</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income taxes</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,494</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,665</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,095</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Noncash investing and financing activities:</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Real estate and other assets acquired in settlement of loans</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">374</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">394</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">726</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Accrued and declared unpaid dividends</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,185</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,177</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,981</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(Decrease) increase in net unsettled security purchases</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(478</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">568</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(51,112</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Securities transferred from available for sale to held to maturity</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">165,238</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,802</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">227,330</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans transferred from held for sale to held for investment</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">853</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,727</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Common stock issued for acquisition</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,400</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Assets acquired and liabilities assumed in business combinations:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans and other non-cash assets, excluding goodwill and core</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">deposit intangible asset</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,007</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Deposits and other liabilities</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,112</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr></table></div></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(d.) Investment Securities</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Investment securities are classified as either available for sale or held to maturity. Debt securities that management has the positive intent and ability to hold to maturity are classified as held to maturity and are recorded at amortized cost. Other investment securities are classified as available for sale and recorded at fair value, with unrealized gains and losses excluded from earnings and reported as a component of comprehensive income and shareholders' equity.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Securities are evaluated periodically to determine whether a decline in their fair value is other than temporary. Management utilizes criteria such as, the current intent to hold or sell the security, the magnitude and duration of the decline and, when appropriate, consideration of negative changes in expected cash flows, creditworthiness, near term prospects of issuers, the level of credit subordination, estimated loss severity, and delinquencies, to determine whether a loss in value is other than temporary. The term "other than temporary" is not intended to indicate that the decline is permanent, but indicates that the prospect for a near-term recovery of value is not necessarily favorable. Declines in the fair value of investment securities below their cost that are deemed to be other than temporary are reflected in earnings as realized losses to the extent the impairment is related to credit issues or concerns, or the security is intended to be sold. The amount of impairment related to non-credit related factors is recognized in other comprehensive income. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method.</font></p></div>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(e.) Loans Held for Sale and Loan Servicing Rights</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company generally makes the determination of whether to identify a mortgage as held for sale at the time the loan is closed based on the Company's intent and ability to hold the loan. Loans held for sale are recorded at the lower of cost or market computed on the aggregate portfolio basis. The amount, by which cost exceeds market value, if any, is accounted for as a valuation allowance with changes included in the determination of results of operations for the period in which the change occurs. The amount of loan origination costs and fees are deferred at origination and recognized as part of the gain or loss on sale of the loans, determined using the specific identification method, in the consolidated statements of income.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company originates and sells certain residential real estate loans in the secondary market. The Company typically retains the right to service the mortgages upon sale. Mortgage-servicing rights ("MSRs") represent the cost of acquiring the contractual rights to service loans for others. MSRs are recorded at their fair value at the time a loan is sold and servicing rights are retained. MSRs are reported in other assets in the consolidated statements of financial position and are amortized to noninterest income in the consolidated statements of income in proportion to and over the period of estimated net servicing income. The Company uses a valuation model that calculates the present value of future cash flows to determine the fair value of servicing rights. In using this valuation method, the Company incorporates assumptions to estimate future net servicing income, which include estimates of the cost to service the loan, the discount rate, an inflation rate and prepayment speeds. On a quarterly basis, the Company evaluates its MSRs for impairment and charges any such impairment to current period earnings. In order to evaluate its MSRs the Company stratifies the related mortgage loans on the basis of their predominant risk characteristics, such as interest rates, year of origination and term, using discounted cash flows and market-based assumptions. Impairment of MSRs is recognized through a valuation allowance, determined by estimating the fair value of each stratum and comparing it to its carrying value. Subsequent increases in fair value are adjusted through the valuation allowance, but only to the extent of the valuation allowance.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage loan servicing includes collecting monthly mortgagor payments, forwarding payments and related accounting reports to investors, collecting escrow deposits for the payment of mortgagor property taxes and insurance, paying taxes and insurance from escrow funds when due and administrating foreclosure actions when necessary. Loan servicing income (a component of noninterest income in the consolidated statements of income) consists of fees earned for servicing mortgage loans sold to third parties, net of amortization expense and impairment losses associated with capitalized mortgage servicing assets</font></p></div>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(f.) Loans</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans are classified as held for investment when management has both the intent and ability to hold the loan for the foreseeable future, or until maturity or payoff. Loans are carried at the principal amount outstanding, net of any unearned income and unamortized deferred fees and costs on originated loans. Loan origination fees and certain direct loan origination costs are deferred, and the net amount is amortized into net interest income over the contractual life of the related loans or over the commitment period as an adjustment of yield. Interest income on loans is based on the principal balance outstanding computed using the effective interest method.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">A loan is considered delinquent when a payment has not been received in accordance with the contractual terms. The accrual of interest income for commercial loans is discontinued when there is a clear indication that the borrower's cash flow may not be sufficient to meet payments as they become due, while the accrual of interest income for retail loans is discontinued when loans reach specific delinquency levels. Loans are generally placed on nonaccrual status when contractually past due&nbsp;<font class="_mt">90</font> days or more as to interest or principal payments, unless the loan is well secured and in the process of collection. Additionally, if management becomes aware of facts or circumstances that may adversely impact the collectability of principal or interest on loans, it is management's practice to place such loans on a nonaccrual status immediately, rather than delaying such action until the loans become 90 days past due. When a loan is placed on nonaccrual status, previously accrued and uncollected interest is reversed, amortization of related deferred loan fees or costs is suspended, and income is recorded only to the extent that interest payments are subsequently received in cash and a determination has been made that the principal balance of the loan is collectible. If collectability of the principal is in doubt, payments received are applied to loan principal. A nonaccrual loan may be returned to accrual status when all delinquent principal and interest payments become current in accordance with the terms of the loan agreement, the borrower has demonstrated a period of sustained performance (generally a minimum of&nbsp;<font class="_mt">six</font> months) and the ultimate collectability of the total contractual principal and interest is no longer in doubt.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company's loan policy dictates the guidelines to be followed in determining when a loan is charged-off. All charge offs are approved by the Bank's senior loan officers or loan committees, depending on the amount of the charge off, and are reported in aggregate to the Bank's Board of Directors. Commercial business and commercial mortgage loans are charged-off when a determination is made that the financial condition of the borrower indicates that the loan will not be collectible in the ordinary course of business. Residential mortgage loans and home equities are generally charged-off or written down when the credit becomes severely delinquent and the balance exceeds the fair value of the property less costs to sell. Indirect and other consumer loans, both secured and unsecured, are generally charged-off in full during the month in which the loan becomes&nbsp;<font class="_mt">120</font> days past due, unless the collateral is in the process of repossession in accordance with the Company's policy.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">A loan is accounted for as a troubled debt restructuring if the Company, for economic or legal reasons related to the borrower's financial condition, grants a significant concession to the borrower that it would not otherwise consider. A troubled debt restructuring may involve the receipt of assets from the debtor in partial or full satisfaction of the loan, or a modification of terms such as a reduction of the stated interest rate or face amount of the loan, a reduction of accrued interest, an extension of the maturity date at a stated interest rate lower than the current market rate for a new loan with similar risk, or some combination of these concessions. Troubled debt restructurings generally remain on nonaccrual status until there is a sustained period of payment performance (usually six months or longer) and there is a reasonable assurance that the payments will continue. See Allowance for Loan Losses below for further policy discussion and see Note 5 &#8211; Loans for additional information.</font></p></div>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(g.) Off-Balance Sheet Financial Instruments</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">In the ordinary course of business, the Company enters into off-balance sheet financial instruments consisting of commitments to extend credit, standby letters of credit and financial guarantees. Such financial instruments are recorded in the consolidated financial statements when they are funded or when related fees are incurred or received. The Company periodically evaluates the credit risks inherent in these commitments and establishes loss allowances for such risks if and when these are deemed necessary.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company recognizes as liabilities the fair value of the obligations undertaken in issuing the guarantees under the standby letters of credit, net of the related amortization at inception. The fair value approximates the unamortized fees received from the customers for issuing the standby letters of credit. The fees are deferred and recognized on a straight-line basis over the commitment period. Standby letters of credit outstanding at December 31, 2015 had original terms ranging from&nbsp;<font class="_mt">one</font> to&nbsp;<font class="_mt">five</font> years.Fees received for providing loan commitments and letters of credit that result in loans are typically deferred and amortized to interest income over the life of the related loan, beginning with the initial borrowing. Fees on commitments and letters of credit are amortized to other income as banking fees and commissions over the commitment period when funding is not expected.</font></p></div>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(h.) Allowance for Loan Losses</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The allowance for loan losses is established through charges to earnings in the form of a provision for loan losses. When a loan or portion of a loan is determined to be uncollectible, the portion deemed uncollectible is charged against the allowance and subsequent recoveries, if any, are credited to the allowance.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The allowance for loan losses is evaluated on a regular basis and is based upon periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower's ability to repay, estimated value of any underlying collateral, and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The allowance consists of specific and general components. Specific allowances are established for impaired loans. Impaired commercial business and commercial mortgage loans are individually evaluated and measured for impairment based on the present value of expected future cash flows discounted at the loan's effective interest rate, a loan's observable market price, or the fair value of the collateral if the loan is collateral dependent. Regardless of the measurement method, impairment is based on the fair value of the collateral when foreclosure is probable. If the recorded investment in impaired loans exceeds the measure of estimated fair value, a specific allowance is established as a component of the allowance for loan losses. Interest payments on impaired loans are typically applied to principal unless collectability of the principal amount is reasonably assured, in which case interest is recognized on a cash basis. Impaired loans, or portions thereof, are charged-off when deemed uncollectible.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered in determining impairment include payment status and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. The Company determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis by either the present value of expected future cash flows discounted at the loan's effective interest rate, the loans obtainable market price, or the fair value of the collateral if the loan is collateral dependent. Large groups of homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and residential loans for impairment disclosures unless the loan has been subject to a troubled debt restructure. At December 31, 2015, there were&nbsp;<font class="_mt">no</font> commitments to lend additional funds to those borrowers whose loans were classified as impaired.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">General allowances are established for loan losses on a portfolio basis for loans that do not meet the definition of impaired. The portfolio is grouped into similar risk characteristics, primarily loan type. The Company applies an estimated loss rate, which considers both look-back and loss emergence periods, to each loan group. The loss rate is based on historical experience, with look-back periods that range from&nbsp;<font class="_mt">24</font> to&nbsp;<font class="_mt">48</font> months depending on the loan type, and as a result can differ from actual losses incurred in the future. The historical loss rate is adjusted by the loss emergence periods that range from&nbsp;<font class="_mt">12</font> to&nbsp;<font class="_mt">24</font> months depending on the loan type and for qualitative factors such as; levels and trends of delinquent and non-accruing loans, trends in volume and terms, effects of changes in lending policy, the experience, ability and depth of management, national and local economic trends and conditions, concentrations of credit risk, interest rates, highly leveraged borrowers, information risk and collateral risk. The qualitative factors are reviewed at least quarterly and adjustments are made as needed.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">While management evaluates currently available information in establishing the allowance for loan losses, future adjustments to the allowance may be necessary if conditions differ substantially from the assumptions used in making the evaluations. In addition, various regulatory agencies, as an integral part of their examination process, periodically review a financial institution's allowance for loan losses. Such agencies may require the financial institution to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.</font></p></div>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(i.) Other Real Estate Owned</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other real estate owned consists of properties acquired through foreclosure or by acceptance of a deed in lieu of foreclosure. These assets are recorded at the lower of fair value of the asset acquired less estimated costs to sell or "cost" (defined as the fair value at initial foreclosure). At the time of foreclosure, or when foreclosure occurs in-substance, the excess, if any, of the loan over the fair market value of the assets received, less estimated selling costs, is charged to the allowance for loan losses and any subsequent valuation write-downs are charged to other expense. In connection with the determination of the allowance for loan losses and the valuation of other real estate owned, management obtains appraisals for properties. Operating costs associated with the properties are charged to expense as incurred. Gains on the sale of other real estate owned are included in income when title has passed and the sale has met the minimum down payment requirements prescribed by GAAP. The balance of other real estate owned was $<font class="_mt">163</font> thousand and $<font class="_mt">194</font> thousand at December 31, 2015 and 2014, respectively.</font></p></div>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(j.) Company Owned Life Insurance</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company holds life insurance policies on certain current and former employees. The Company is the owner and beneficiary of the policies. The cash surrender value of these policies is included as an asset on the consolidated statements of financial condition, and any increase in cash surrender value is recorded as noninterest income on the consolidated statements of income. In the event of the death of an insured individual under these policies, the Company would receive a death benefit which would be recorded as noninterest income.</font></p></div>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(k.) Premises and Equipment</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Premises and equipment are stated at cost, less accumulated depreciation and amortization. Depreciation is computed on the straight-line method over the estimated useful lives of the assets. The Company generally amortizes buildings and building improvements over a period of&nbsp;<font class="_mt">15</font> to&nbsp;<font class="_mt">39</font> years and software, furniture and equipment over a period of&nbsp;<font class="_mt">3</font> to&nbsp;<font class="_mt">10</font> years. Leasehold improvements are amortized over the shorter of the lease term or the useful life of the improvements. Premises and equipment are periodically reviewed for impairment or when circumstances present indicators of impairment.</font></p></div>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(l.) Goodwill and Other Intangible Assets</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The excess of the cost of an acquisition over the fair value of the net assets acquired consists primarily of goodwill, core deposit intangibles, and other identifiable intangible assets. Intangible assets are acquired assets that lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract, asset, or liability. The Company's intangible assets consist of core deposits and other intangible assets (primarily customer relationships). Core deposit intangible assets are amortized on an accelerated basis over their estimated life of approximately&nbsp;<font class="_mt">nine</font> and a half years. Other intangible assets are amortized on an accelerated basis over their weighted average estimated life of approximately&nbsp;<font class="_mt">twenty</font> years. The Company reviews long-lived assets and certain identifiable intangibles for impairment at least annually, or whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable, in which case an impairment charge would be recorded.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Goodwill is not amortized but, instead, is subject to impairment tests on at least an annual basis, and more frequently if an event occurs or circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying amount. The impairment testing process is conducted by assigning net assets and goodwill to each reporting unit. An initial qualitative evaluation is made to assess the likelihood of impairment and determine whether further quantitative testing to calculate the fair value is necessary. When the qualitative evaluation indicates that impairment is more likely than not, quantitative testing is required whereby the fair value of each reporting unit is calculated and compared to the recorded book value, "Step 1." If the calculated fair value of the reporting unit exceeds its carrying value, goodwill is not considered impaired and "Step 2" is not considered necessary. If the carrying value of a reporting unit exceeds its calculated fair value, the impairment test continues ("Step 2") by comparing the carrying value of the reporting unit's goodwill to the implied fair value of goodwill. The implied fair value is computed by adjusting all assets and liabilities of the reporting unit to current fair value with the offset adjustment to goodwill. The adjusted goodwill balance is the implied fair value of the goodwill. An impairment charge is recognized if the carrying value of goodwill exceeds the implied fair value of goodwill. See Note 7 for additional information on goodwill and other intangible assets.</font></p></div>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(m.)Federal Home Loan Bank ("FHLB") and Federal Reserve Bank ("FRB") Stock</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The non-marketable investments in FHLB and FRB stock are included in other assets in the consolidated statements of financial condition at par value or cost and are periodically reviewed for impairment. The dividends received relative to these investments are included in other noninterest income in the consolidated statements of income.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">As a member of the FHLB system, the Company is required to maintain a specified investment in FHLB of New York ("FHLBNY") stock in proportion to its volume of certain transactions with the FHLB. FHLBNY stock totaled $<font class="_mt">15.1</font> million as of December 31, 2015 and 2014.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">As a member of the FRB system, the Company is required to maintain a specified investment in FRB stock based on a ratio relative to the Company's capital. FRB stock totaled $<font class="_mt">4.9</font> million and $<font class="_mt">3.9</font> million as of December 31, 2015 and 2014, respectively.</font></p></div>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(n.) Equity Method Investments</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company has investments in limited partnerships, primarily Small Business Investment Companies, and accounts for these investments under the equity method. These investments are included in other assets in the consolidated statements of financial condition and totaled $<font class="_mt">5.0</font> million and $<font class="_mt">4.9</font> million as of December 31, 2015 and 2014, respectively.</font></p></div>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(o.) Treasury Stock</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Acquisitions of treasury stock are recorded at cost. The reissuance of shares in treasury is recorded at weighted-average cost.</font></p></div>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(p.) Employee Benefits</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company maintains an employer sponsored 401(k) plan where participants may make contributions in the form of salary deferrals and the Company provides matching contributions in accordance with the terms of the plan. Contributions due under the terms of our defined contribution plans are accrued as earned by employees.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company also participates in a non-contributory defined benefit pension plan for certain employees who previously met participation requirements. The Company also provides post-retirement benefits, principally health and dental care, to employees of a previously acquired entity. The Company has closed the pension and post-retirement plans to new participants. The actuarially determined pension benefit is based on years of service and the employee's highest average compensation during&nbsp;<font class="_mt">five</font> consecutive years of employment. The Company's policy is to at least fund the minimum amount required by the Employment Retirement Income Security Act of 1974. The cost of the pension and post-retirement plans are based on actuarial computations of current and future benefits for employees, and is charged to noninterest expense in the consolidated statements of income.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company recognizes an asset or a liability for a plans' overfunded status or underfunded status, respectively, in the consolidated financial statements and reports changes in the funded status as a component of other comprehensive income, net of applicable taxes, in the year in which changes occur.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Effective January 1, 2016, the </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#080709" size="2">Company's </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">401(k) plan was amended and the Company's matching contribution was discontinued. Concurrent with the 401(k) plan amendment, the </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#080709" size="2">Company's </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">defined benefit pension plan was amended to </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#080709" size="2">modify the current benefit formula to reflect the discontinuance of the matching contribution in the 401(k) plan, to open the </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">defined benefit pension plan </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#080709" size="2">up to eligible employees who were hired on and after January 1, 2007, and provide those new participants with a cash balance benefit formula.</font></p></div>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(q.) Share-Based Compensation Plans</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Compensation expense for stock options and restricted stock awards is based on the fair value of the award on the measurement date, which, for the Company, is the date of grant and is recognized ratably over the service period of the award. The fair value of stock options is estimated using the Black-Scholes option-pricing model. The fair value of restricted stock awards is generally the market price of the Company's stock on the date of grant.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Share-based compensation expense is included in the consolidated statements of income under salaries and employee benefits for awards granted to management and in other noninterest expense for awards granted to directors.</font></p></div>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(r.) Income Taxes</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income taxes are accounted for using the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates in effect for the year in which those temporary differences are expected to be recovered or settled. The effect of a change in tax rates on deferred tax assets and liabilities is recognized in income in the period that includes the enactment date. A valuation allowance is recognized on deferred tax assets if, based upon the weight of available evidence, it is more likely than not that some or all of the assets may not be realized. The Company recognizes interest and/or penalties related to income tax matters in income tax expense.</font></p></div>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(s.) Comprehensive Income</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Comprehensive income includes all changes in shareholders' equity during a period, except those resulting from transactions with shareholders. In addition to net income, other components of the Company's comprehensive income include the after tax effect of changes in net unrealized gain / loss on securities available for sale and changes in net actuarial gain / loss on defined benefit post-retirement plans. Comprehensive income is reported in the accompanying consolidated statements of changes in shareholders' equity and consolidated statements of comprehensive income. See Note 13 - Accumulated Other Comprehensive Income (Loss) for additional information.</font></p></div>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(t.) Earnings Per Common Share</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company calculates earnings per common share ("EPS") using the two-class method in accordance with </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#010202" size="2">Financial Accounting Standards Board ("FASB") Accounting Standards Codification ("ASC") Topic 260, "Earnings Per Share". </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The two-class method requires the Company to present EPS as if all of the earnings for the period are distributed to common shareholders and any participating securities, regardless of whether any actual dividends or distributions are made. All outstanding unvested share-based payment awards that contain rights to nonforfeitable dividends are considered participating securities.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Basic EPS is computed by dividing distributed and undistributed earnings available to common shareholders by the weighted average number of common shares outstanding for the period. Distributed and undistributed earnings available to common shareholders represent net income reduced by preferred stock dividends and distributed and undistributed earnings available to participating securities. Common shares outstanding include common stock and vested restricted stock awards. Diluted EPS reflects the assumed conversion of all potential dilutive securities. </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#010202" size="2">A reconciliation of the weighted-average shares used in calculating basic earnings per common share and the weighted average common shares used in calculating diluted earnings per common share for the reported periods is provided in Note 16 - Earnings Per Common Share.</font></p></div>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(u.) Reclassifications</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Certain items in prior financial statements have been reclassified to conform to the current presentation.</font></p></div>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(v.) Recent Accounting Pronouncements</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">In May 2014, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") No. 2014-09, </font><i><font class="_mt" style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" size="2">Revenue from Contracts with Customers (Topic 606). </font></i><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">ASU 2014-09 implements a common revenue standard that clarifies the principles for recognizing revenue. The core principle of ASU 2014-09 is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. To achieve that core principle, an entity should apply the following steps: (i) identify the contract(s) with a customer, (ii) identify the performance obligations in the contract, (iii) determine the transaction price, (iv) allocate the transaction price to the performance obligations in the contract and (v) recognize revenue when (or as) the entity satisfies a performance obligation. The effective date was recently deferred for one year to the interim and annual periods beginning on or after December 15, 2017. Early adoption is permitted as of the original effective date &#8211; interim and annual periods beginning on or after December 15, 2016. The Company is evaluating the potential impact of ASU 2014-09 on the Company's financial statements.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">In June 2014, the FASB issued ASU 2014-12, </font><i><font class="_mt" style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" size="2">Compensation&#8212;Stock Compensation (Topic 718)</font></i><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">. The pronouncement was issued to clarify the accounting for share-based payments when the terms of an award provide that a performance target could be achieved after the requisite service period. ASU 2014-12 is effective for the Company beginning January 1, 2016, though early adoption is permitted. The adoption of ASU 2014-12 is not expected to have a significant impact on the Company's financial statements.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">In January 2015, the FASB issued ASU 2015-01, </font><i><font class="_mt" style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" size="2">Income Statement - Extraordinary and Unusual Items (Subtopic 225-20) &#8211;Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items</font></i><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">. ASU 2015-01 eliminates from U.S. GAAP the concept of extraordinary items, which, among other things, required an entity to segregate extraordinary items considered to be unusual and infrequent from the results of ordinary operations and show the item separately in the income statement, net of tax, after income from continuing operations. ASU 2015-01 is effective for the Company beginning January 1, 2016, though early adoption is permitted. ASU 2015-01 is not expected to have a significant impact on the Company's financial statements.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">In April 2015, the FASB issued ASU 2015-03, </font><i><font class="_mt" style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" size="2">Simplifying the Presentation of Debt Issuance Costs</font></i><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">. Under ASU 2015-03, the Company will present debt issuance costs in the balance sheet as a reduction from the related debt liability rather than as an asset. Amortization of such costs will continue to be reported as interest expense. ASU 2015-03 will be effective for the Company beginning January 1, 2016, though early adoption is permitted. Retrospective adoption is required. The Company early adopted this standard during the quarter ended June 30, 2015, concurrent with the issuance of the Subordinated Notes described in Note 9. Unamortized debt issuance costs of $1.0 million are included in the net balance of long-term borrowings reported on the Consolidated Statements of Financial Condition. Retrospective application of this standard did not impact previously issued financial statements.</font></p></div> </div><span></span>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825035872">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Business Combinations<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2015</div></th></tr>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessCombinationDisclosureTextBlock', window );">Business Combinations</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(2.) BUSINESS COMBINATIONS</font></b><br /><br /><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">SDN Acquisition</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#070707" size="2">On August 1</font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#2b2b2b" size="2">, </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#070707" size="2">2014, the Company completed the acquisition of Scott Danahy Naylon Co., Inc., a full service insurance agency located in Amherst, </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">New York</font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#3c3c3c" size="2">. </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The acquisition of </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#070707" size="2">Scott Danahy Naylon Co., Inc. </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">enhances the </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#070707" size="2">Company</font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">'s ability to offer clients unique, comprehensive solutions to meet their insurance and financial risk management needs. </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#070707" size="2">Consideration for the acquisition included both cash and stock totaling $<font class="_mt">16.9</font> million</font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#2b2b2b" size="2">, </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#070707" size="2">including future consideration.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The transaction was accounted for using the acquisition method of accounting and as such, assets acquired, liabilities assumed and consideration exchanged were recorded at their estimated fair value on the acquisition date. Goodwill from the acquisition represents the excess of the purchase price over the fair value of the net tangible and intangible assets acquired and is not deductible for tax purposes. As a result of the acquisition, the Company recorded </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#070707" size="2">goodwill of $12.6 million and other intangible assets of $6.6 million. </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Goodwill was assigned to the Company's Insurance reporting unit. Total goodwill and other intangible assets from the acquisition are inclusive of contingent earn-out payments based on revenue targets through 2017. </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#070707" size="2">The estimated fair value of the contingent earn-out liability at the date of acquisition was $3.2 million. </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Since the date of acquisition, valuation adjustments have been made resulting in a contingent earn-out liability of $<font class="_mt">2.2</font> million at December 31, 2015. The valuation adjustment is included in other noninterest income in the consolidated statements of income for the year ended December 31, 2015.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">As more fully described in Note 7, the Company recorded a goodwill impairment charge related to the Insurance reporting unit of $<font class="_mt">751</font> thousand during the quarter ended December 31, 2015. See Note 7 for additional information on goodwill and other intangible assets.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Pro forma results of operations for this acquisition have not been presented because the effect of this acquisition was not material to the Company's consolidated financial statements. </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#070707" size="2">The following table summarizes the consideration paid for Scott Danahy Naylon Co., Inc. and the amounts of the assets acquired and liabilities assumed as of the acquisition date.</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left">

<table cellspacing="0" border="0">
<tr><td width="75%"> </td>
<td width="15%"> </td>
<td width="9%"> </td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Consideration paid:</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,100</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Stock</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,400</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Contingent consideration</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,227</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fair value of total consideration transferred</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">16,727</font></td></tr>
<tr><td bgcolor="#c6d9f1" colspan="3">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fair value of assets acquired:</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">105</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Identified intangible assets</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,640</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Premises and equipment, accounts receivable and other assets</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,094</font></td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total identifiable assets acquired</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,839</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fair value of liabilities assumed:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Deferred tax liability</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,556</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other liabilities</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,173</font></td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total liabilities assumed</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,729</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fair value of net assets acquired</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,110</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Goodwill resulting from acquisition</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,617</font></td></tr></table></div>

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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for a business combination (or series of individually immaterial business combinations) completed during the period, including background, timing, and recognized assets and liabilities. The disclosure may include leverage buyout transactions (as applicable).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=25497992&amp;loc=d3e1497-128463<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=25497992&amp;loc=d3e1490-128463<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=25497992&amp;loc=d3e1392-128463<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=35744584&amp;loc=d3e7008-128479<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=25497992&amp;loc=d3e1486-128463<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=35744584&amp;loc=d3e6927-128479<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=39739317&amp;loc=d3e4845-128472<br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=25497992&amp;loc=d3e1500-128463<br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=25497992&amp;loc=d3e1524-128463<br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=35744584&amp;loc=d3e7000-128479<br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=39739317&amp;loc=d3e4922-128472<br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=39739317&amp;loc=d3e4934-128472<br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=39739317&amp;loc=d3e4926-128472<br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=25497992&amp;loc=d3e1383-128463<br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=35744584&amp;loc=d3e6996-128479<br></p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6834179136">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investment Securities<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2015</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsAbstract', window );"><strong>Investment Securities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<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_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock', window );">Investment Securities</a></td>
<td class="text"><div> <p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(3.) INVESTMENT SECURITIES</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The amortized cost and estimated fair value of investment securities are summarized below (in thousands).</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left">

<table cellspacing="0" border="0">
<tr><td width="38%"> </td>
<td width="2%"> </td>
<td width="16%"> </td>
<td width="2%"> </td>
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<td width="2%"> </td>
<td width="13%"> </td>
<td width="3%"> </td>
<td width="7%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amortized</font></b></td>
<td align="right">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Unrealized</font></b></td>
<td align="right">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Unrealized</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fair</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Cost</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Gains</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Losses</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Value</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">December 31, 2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Securities available for sale:</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">U.S. Government agencies and government</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">sponsored enterprises</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">260,748</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,164</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,049</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">260,863</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage-backed securities:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">209,671</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,092</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,333</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">208,430</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal Home Loan Mortgage Corporation</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">24,564</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">282</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">194</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">24,652</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">26,465</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">943</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">27,404</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collateralized mortgage obligations:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">16,998</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">90</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">154</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">16,934</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal Home Loan Mortgage Corporation</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,175</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">91</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,085</font></td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Privately issued</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">809</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">809</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 8px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total mortgage-backed securities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">282,873</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,217</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,776</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">283,314</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Asset-backed securities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">218</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">218</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 11px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total available for sale securities</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">543,621</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,599</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,825</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">544,395</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Securities held to maturity:</font></b></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">State and political subdivisions</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">294,423</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,562</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">300,981</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage-backed securities:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,242</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">79</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,177</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,607</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">33</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">159</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,481</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collateralized mortgage obligations:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">56,791</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">818</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">55,973</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal Home Loan Mortgage Corporation</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">80,570</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,120</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">79,450</font></td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government National Mortgage Association</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19,084</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">101</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19,002</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 8px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total mortgage-backed securities</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">191,294</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">66</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,277</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">189,083</font></td></tr>
<tr valign="bottom"><td style="text-indent: 11px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total held to maturity securities</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">485,717</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,628</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,281</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">490,064</font></td></tr></table>

<table cellspacing="0" border="0">
<tr><td width="38%"> </td>
<td width="2%"> </td>
<td width="16%"> </td>
<td width="2%"> </td>
<td width="13%"> </td>
<td width="2%"> </td>
<td width="13%"> </td>
<td width="3%"> </td>
<td width="7%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">December 31, 2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Securities available for sale:</font></b></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">U.S. Government agencies and government</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">sponsored enterprises</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">160,334</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,116</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">975</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">160,475</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage-backed securities:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">184,857</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,344</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,264</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">185,937</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal Home Loan Mortgage Corporation</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">29,478</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">799</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">30,270</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48,800</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,022</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">50,822</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collateralized mortgage obligations:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">76,247</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">489</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">944</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">75,792</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal Home Loan Mortgage Corporation</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">89,623</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">199</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,585</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">87,237</font></td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">29,954</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">598</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">40</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">30,512</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Privately issued</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,218</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,218</font></td></tr>
<tr valign="bottom"><td style="text-indent: 8px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total mortgage-backed securities</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">458,959</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,669</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,840</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">461,788</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Asset-backed securities</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">231</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">231</font></td></tr>
<tr valign="bottom"><td style="text-indent: 11px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total available for sale securities</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">619,293</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,016</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,815</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">622,494</font></td></tr>
<tr valign="bottom"><td align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Securities held to maturity:</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">State and political subdivisions</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">277,273</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,231</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">120</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">281,384</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage-backed securities:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,279</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">24</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,303</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government National Mortgage Association</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,886</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">122</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,008</font></td></tr>
<tr valign="bottom"><td style="text-indent: 8px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total mortgage-backed securities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17,165</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">146</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17,311</font></td></tr>
<tr valign="bottom"><td style="text-indent: 11px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total held to maturity securities</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">294,438</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,377</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">120</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">298,695</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Investment securities with a total fair value of $<font class="_mt">781.7</font> million and $<font class="_mt">768.6</font> million at December 31, 2015 and 2014, respectively, were pledged as collateral to secure public deposits and for other purposes required or permitted by law.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">During the years ended December 31, 2015 and 2014, the Company transferred $<font class="_mt">165.2</font> million and $<font class="_mt">12.8</font> million, respectively, of available for sale mortgage backed securities to the held to maturity category, reflecting the Company's intent to hold those securities to maturity. Transfers of investment securities into the held to maturity category from the available for sale category are made at fair value at the date of transfer. The related $<font class="_mt">1.1</font> million and $<font class="_mt">51</font> thousand of unrealized holding losses that were included in the transfers during the years ended December 31, 2015 and 2014, respectively, are retained in accumulated other comprehensive income and in the carrying value of the held to maturity securities. These amounts will be amortized as an adjustment to interest income over the remaining life of the securities. This will offset the impact of amortization of the net premium created in the transfers. There were no gains or losses recognized as a result of these transfers.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Interest and dividends on securities for the years ended December 31 are summarized as follows (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left">

<table cellspacing="0" border="0">
<tr><td width="45%"> </td>
<td width="2%"> </td>
<td width="26%"> </td>
<td width="3%"> </td>
<td width="9%"> </td>
<td width="3%"> </td>
<td width="8%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Taxable interest and dividends</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">16,123</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,304</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,541</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Tax-exempt interest and dividends</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,752</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,298</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,922</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total interest and dividends on securities</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">21,875</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,602</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17,463</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Sales and calls of securities available for sale for the years ended December 31 were as follows (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left">

<table cellspacing="0" border="0">
<tr><td width="37%"> </td>
<td width="2%"> </td>
<td width="34%"> </td>
<td width="3%"> </td>
<td width="9%"> </td>
<td width="3%"> </td>
<td width="8%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Proceeds from sales</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">54,277</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">81,600</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,327</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Gross realized gains</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,000</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,043</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,226</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Gross realized losses</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The scheduled maturities of securities available for sale and securities held to maturity at December 31, 2015 are shown below. Actual expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations (in thousands).</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left">

<table cellspacing="0" border="0">
<tr><td width="52%"> </td>
<td width="25%"> </td>
<td width="9%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amortized</font></b></td>
<td width="3%"> </td>
<td width="8%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fair</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Cost</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Value</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Debt securities available for sale:</font></b></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Due in one year or less</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,182</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,241</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Due from one to five years</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">174,053</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">173,336</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Due after five years through ten years</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">275,972</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">276,660</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Due after ten years</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">68,414</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">69,158</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">543,621</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">544,395</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Debt securities held to maturity:</font></b></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Due in one year or less</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">22,188</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">22,261</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Due from one to five years</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">172,094</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">175,650</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Due after five years through ten years</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">116,362</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">119,183</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Due after ten years</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">175,073</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">172,970</font></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">485,717</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">490,064</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Unrealized losses on investment securities and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position as of December 31 are summarized as follows (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left">

<table cellspacing="0" border="0">
<tr><td width="34%"> </td>
<td width="2%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="3%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="7%"> </td></tr>
<tr valign="bottom"><td width="34%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="21%" colspan="3" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Less than 12 months</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="20%" colspan="3" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">12 months or longer</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="18%" colspan="3" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Total</font></b></td></tr>
<tr valign="bottom"><td width="34%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td style="text-indent: 4px;" width="9%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fair</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Unrealized</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td style="text-indent: 4px;" width="9%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fair</font></b></td>
<td width="2%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"> </font></b></td>
<td width="9%" align="center">&nbsp;<b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Unrealized</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td style="text-indent: 3px;" width="9%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fair</font></b></td>
<td width="2%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"> </font></b></td>
<td width="7%" align="center">&nbsp;<b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Unrealized</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" width="34%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" width="9%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Value</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Losses</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Value</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Losses</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="9%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Value</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Losses</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="34%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">December 31, 2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Securities available for sale:</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">U.S. Government agencies and government</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">sponsored enterprises</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">82,298</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">735</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">26,302</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">314</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">108,600</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,049</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage-backed securities:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">123,774</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,134</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,562</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">199</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">133,336</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,333</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal Home Loan Mortgage Corporation</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,660</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">194</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,660</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">194</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,405</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,405</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collateralized mortgage obligations:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,778</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">154</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,778</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">154</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 5px;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal Home Loan Mortgage Corporation</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,998</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">91</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,998</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">91</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="34%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total mortgage-backed securities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">150,615</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,577</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,562</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">199</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">160,177</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,776</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" width="34%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total available for sale securities</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">232,913</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,312</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">35,864</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">513</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">268,777</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,825</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="34%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Securities held to maturity:</font></b></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">State and political subdivisions</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,075</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,075</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage-backed securities:</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,666</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">79</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,666</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">79</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,790</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">159</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,790</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">159</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collateralized mortgage obligations:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">55,973</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">818</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">55,973</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">818</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal Home Loan Mortgage Corporation</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">79,323</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,120</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">79,323</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,120</font></td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government National Mortgage Association</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,559</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">101</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,559</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">101</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" width="34%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total mortgage-backed securities</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">164,311</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,277</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">164,311</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,277</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="34%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total held to maturity securities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">167,386</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,281</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">167,386</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,281</font></td></tr>
<tr valign="bottom"><td width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total temporarily impaired securities</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">400,299</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,593</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">35,864</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">513</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">436,163</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,106</font></td></tr>
<tr><td width="100%" colspan="13">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="34%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">December 31, 2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Securities available for sale:</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">U.S. Government agencies and government</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">sponsored enterprises</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">34,995</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">77</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">41,070</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">898</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">76,065</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">975</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage-backed securities:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,242</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">62,592</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,256</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">64,834</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,264</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal Home Loan Mortgage Corporation</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,387</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,387</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collateralized mortgage obligations:</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11,228</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">24</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,644</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">920</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">36,872</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">944</font></td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal Home Loan Mortgage Corporation</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">76,126</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,585</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">76,126</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,585</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 5px;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government National Mortgage Association</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,510</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">40</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,510</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">40</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="34%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total mortgage-backed securities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">16,857</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">39</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">166,872</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,801</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">183,729</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,840</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total available for sale securities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">51,852</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">116</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">207,942</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,699</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">259,794</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,815</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="34%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Securities held to maturity:</font></b></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">State and political subdivisions</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,036</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">120</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,036</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">120</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total temporarily impaired securities</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">69,888</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">236</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">207,942</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,699</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">277,830</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,935</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The total number of security positions in the investment portfolio in an unrealized loss position at December 31, 2015 was&nbsp;<font class="_mt">152</font> compared to&nbsp;<font class="_mt">122</font> at December 31, 2014. At December 31, 2015, the Company had positions in&nbsp;<font class="_mt">10</font> investment securities with a fair value of $35.9 million and a total unrealized loss of $513 thousand that have been in a continuous unrealized loss position for more than 12 months. At December 31, 2015, there were a total of&nbsp;<font class="_mt">142</font> securities positions in the Company's investment portfolio with a fair value of $400.3 million and a total unrealized loss of $5.6 million that had been in a continuous unrealized loss position for less than 12 months. At December 31, 2014, the Company had positions in&nbsp;<font class="_mt">51</font> investment securities with a fair value of $207.9 million and a total unrealized loss of $5.7 million that have been in a continuous unrealized loss position for more than 12 months. At December 31, 2014, there were a total of&nbsp;<font class="_mt">71</font> securities positions in the Company's investment portfolio with a fair value of $69.9 million and a total unrealized loss of $236 thousand that had been in a continuous unrealized loss position for less than 12 months. The unrealized loss on investment securities was predominantly caused by changes in market interest rates subsequent to purchase. The fair value of most of the investment securities in the Company's portfolio fluctuates as market interest rates change.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company reviews investment securities on an ongoing basis for the presence of other than temporary impairment ("OTTI") with formal reviews performed quarterly. When evaluating debt securities for OTTI, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the Company has the intention to sell the debt security or whether it is more likely than not that it will be required to sell the debt security before its anticipated recovery. The assessment of whether OTTI exists involves a high degree of subjectivity and judgment and is based on the information available to management. No impairment was recorded during the years ended December 31, 2015, 2014 and 2013.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Based on management's review and evaluation of the Company's debt securities as of December 31, 2015, the debt securities with unrealized losses were not considered to be OTTI. As of December 31, 2015, the Company does not have the intent to sell any of the securities in a loss position and believes that it is not likely that it will be required to sell any such securities before the anticipated recovery of amortized cost. Accordingly, as of December 31, 2015, management has concluded that unrealized losses on its investment securities are temporary and no further impairment loss has been realized in the Company's consolidated statements of income.</font></p> </div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for  investments in certain debt and equity securities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -Glossary Debt Security<br> -URI http://asc.fasb.org/extlink&amp;oid=6509901<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6379141&amp;loc=d3e15032-111544<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -Glossary Equity Security<br> -URI http://asc.fasb.org/extlink&amp;oid=6511694<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 320<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62557-112803<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27405-111563<br></p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825174592">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans Held For Sale And Loan Servicing Rights<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_fisi_LoansHeldForSaleAndLoanServicingRightsAbstract', window );"><strong>Loans Held For Sale And Loan Servicing Rights [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_LoansHeldForSaleAndLoanServicingRightsDisclosureTextBlock', window );">Loans Held For Sale And Loan Servicing Rights</a></td>
<td class="text"><div> <p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(4.) LOANS HELD FOR SALE AND LOAN SERVICING RIGHTS</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans held for sale were entirely comprised of residential real estate mortgages and totaled $1.4 million and $755 thousand as of December 31, 2015 and 2014, respectively.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company sells certain qualifying newly originated or refinanced residential real estate mortgages on the secondary market. Residential real estate mortgages serviced for others, which are not included in the consolidated statements of financial condition, amounted to $<font class="_mt">196.0</font> million and $<font class="_mt">215.2</font> million as of December 31, 2015 and 2014, respectively. In connection with these mortgage-servicing activities, the Company administered escrow and other custodial funds which amounted to approximately $<font class="_mt">4.4</font> million and $<font class="_mt">4.6</font> million as of December 31, 2015 and 2014, respectively.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The activity in capitalized mortgage servicing assets is summarized as follows for the years ended December 31 (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="42%"> </td>
<td width="2%"> </td>
<td width="24%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="8%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="8%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage servicing assets, beginning of year</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,335</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,479</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,637</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Originations</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">166</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">172</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">277</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(276</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(316</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(435</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage servicing assets, end of year</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,225</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,335</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,479</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Valuation allowance</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(6</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage servicing assets, net, end of year</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,224</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,329</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,476</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr></table></div>

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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans Held For Sale And Loan Servicing Rights [Abstract]</p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825056176">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</div></th></tr>
<tr class="re">
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<td class="text">&#160;<span></span>
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<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_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock', window );">Loans</a></td>
<td class="text"><div> <p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(5.) LOANS</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company's loan portfolio consisted of the following at December 31 (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left">

<table cellspacing="0" border="0">
<tr><td width="39%"> </td>
<td width="2%"> </td>
<td width="32%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="2%"> </td>
<td width="1%"> </td>
<td width="7%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Principal</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Net Deferred</font></b></td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Loan (Fees)</font></b></td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Outstanding</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Costs</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Loans, Net</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial business</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">313,475</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">283</font></td>
<td align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">313,758</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial mortgage</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">567,481</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,380</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">566,101</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Residential mortgage</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">98,302</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">98,309</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Home equity</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">402,487</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,625</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">410,112</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Consumer indirect</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">652,494</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">24,446</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">676,940</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other consumer</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,361</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">181</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,542</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,052,600</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">31,162</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,083,762</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Allowance for loan losses</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(27,085</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total loans, net</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,056,677</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr><td colspan="9">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial business</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">267,377</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">32</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">267,409</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial mortgage</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">476,407</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,315</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">475,092</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Residential mortgage</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">100,241</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(140</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">100,101</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Home equity</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">379,774</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,841</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">386,615</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Consumer indirect</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">636,357</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,316</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">661,673</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other consumer</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20,915</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">197</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">21,112</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,881,071</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">30,931</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,912,002</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Allowance for loan losses</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(27,637</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total loans, net</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,884,365</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company's significant concentrations of credit risk in the loan portfolio relate to a geographic concentration in the communities that the Company serves.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Certain executive officers, directors and their business interests are customers of the Company. Transactions with these parties are based on the same terms as similar transactions with unrelated third parties and do not carry more than normal credit risk. Borrowings by these related parties amounted to $<font class="_mt">3.5</font> million and $<font class="_mt">11.9</font> million at December 31, 2015 and 2014, respectively. During 2015, new borrowings amounted to $<font class="_mt">2.9</font> million (including borrowings of executive officers and directors that were outstanding at the time of their appointment), and repayments and other reductions were $<font class="_mt">11.3</font> million.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Past Due Loans Aging</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company's recorded investment, by loan class, in current and nonaccrual loans, as well as an analysis of accruing delinquent loans is set forth as of December 31 (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left">

<table cellspacing="0" border="0">
<tr><td width="18%"> </td>
<td width="6%"> </td>
<td width="6%" align="center"> </td>
<td width="3%" align="center"> </td>
<td width="6%" align="center"> </td>
<td width="2%" align="center"> </td>
<td width="6%" align="center"> </td>
<td width="2%" align="center"> </td>
<td width="10%" align="center"> </td>
<td width="2%" align="center"> </td>
<td width="10%" align="center"> </td>
<td width="2%" align="center"> </td>
<td width="8%" align="center"> </td>
<td width="2%" align="center"> </td>
<td width="9%" align="center"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">30-59 Days</font></b></td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">60-89 Days</font></b></td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Greater Than</font></b></td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Total Past</font></b></td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Past Due</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Past Due</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">90 Days</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Due</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Nonaccrual</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Current</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Total Loans</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial business</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">321</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">612</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">933</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,922</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">308,620</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">313,475</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial mortgage</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">68</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">146</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">214</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">947</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">566,320</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">567,481</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Residential mortgage</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">203</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">203</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,325</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">96,774</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">98,302</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Home equity</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">719</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">429</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,148</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">758</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">400,581</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">402,487</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Consumer indirect</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,975</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">286</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,261</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,467</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">648,766</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">652,494</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other consumer</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">98</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">119</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,229</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,361</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total loans, gross</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,384</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,486</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,878</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,432</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,039,290</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,052,600</font></td></tr>
<tr><td colspan="15">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial business</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">28</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">28</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,288</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">263,061</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">267,377</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial mortgage</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">83</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">83</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,020</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">473,304</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">476,407</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Residential mortgage</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">321</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">321</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,194</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">98,726</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">100,241</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Home equity</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">799</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">67</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">866</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">463</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">378,445</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">379,774</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Consumer indirect</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,429</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">402</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,831</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,169</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">632,357</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">636,357</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other consumer</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">148</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">204</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20,700</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20,915</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total loans, gross</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,808</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">517</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,333</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,145</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,866,593</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,881,071</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">There were&nbsp;<font class="_mt">no</font> loans past due greater than 90 days and still accruing interest as of December 31, 2015 and 2014. There were $<font class="_mt">8</font> thousand in consumer overdrafts which were past due greater than 90 days as of December 31, 2015 and 2014. Consumer overdrafts are overdrawn deposit accounts which have been reclassified as loans but by their terms do not accrue interest.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Interest income on nonaccrual loans, if recognized, is recorded using the cash basis method of accounting. There was no interest income recognized on nonaccrual loans during the years ended December 31, 2015, 2014 and 2013. For the years ended December 31, 2015, 2014 and 2013, estimated interest income of $<font class="_mt">432</font> thousand, $<font class="_mt">527</font> thousand, and $<font class="_mt">531</font> thousand, respectively, would have been recorded if all such loans had been accruing interest according to their original contractual terms.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Troubled Debt Restructurings</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">A modification of a loan constitutes a troubled debt restructuring ("TDR") when a borrower is experiencing financial difficulty and the modification constitutes a concession. Commercial loans modified in a TDR may involve temporary interest-only payments, term extensions, reducing the interest rate for the remaining term of the loan, extending the maturity date at an interest rate lower than the current market rate for new debt with similar risk, collateral concessions, forgiveness of principal, forebearance agreements, or substituting or adding a new borrower or guarantor.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The following presents, by loan class, information related to loans modified in a TDR during the years ended December 31 (in thousands).</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left">

<table cellspacing="0" border="0">
<tr><td width="33%"> </td>
<td width="23%"> </td>
<td width="3%"> </td>
<td width="4%"> </td>
<td width="14%"> </td>
<td width="2%"> </td>
<td width="4%"> </td>
<td width="14%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"> </font></b></td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Pre</font></b>-</font></b></td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"> </font></b></td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Post</font></b>-</font></b></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td colspan="4" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Modification Modification</font></b></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Outstanding</font></b></td>
<td colspan="3" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Outstanding</font></b></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Number of</font></b></td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Recorded</font></b></td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Recorded</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Contracts</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Investment</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Investment</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial business</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,342</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,342</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial mortgage</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">682</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">330</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,024</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,672</font></td></tr>
<tr><td colspan="8">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial business</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,381</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,381</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial mortgage</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,381</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,381</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The loans identified as TDRs by the Company during the years ended December 31, 2015 and 2014 were on nonaccrual status and reported as impaired loans prior to restructuring. The modifications during the year ended December 31, 2015 primarily related to extending amortization periods, forebearance agreements, requesting additional collateral and, in one instance, forgiveness of principal. For the year ended December 31, 2014, the restructured loan modification related to extending the amortization period of the loan. All loans restructured during the years ended December 31, 2015 and 2014 were on nonaccrual status at the end of those respective years. Nonaccrual loans that are restructured remain on nonaccrual status, but may move to accrual status after they have performed according to the restructured terms for a period of time. The TDR classification did not have a material impact on the Company's determination of the allowance for loan losses because the modified loans were either classified as substandard, with an increased risk allowance allocation, or impaired and evaluated for a specific reserve both before and after restructuring.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">There were&nbsp;<font class="_mt">two</font> commercial business loans with an aggregate pre-default balance of $<font class="_mt">1.3</font> million that went into default and were restructured during the year ended December 31, 2015. There were&nbsp;<font class="_mt">no</font> loans modified as a TDR during the year ended December 31, 2014 that defaulted during the year ended December 31, 2014. For purposes of this disclosure, a loan modified as a TDR is considered to have defaulted when the borrower becomes 90 days past due.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Impaired Loans</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Management has determined that specific commercial loans on nonaccrual status and all loans that have had their terms restructured in a troubled debt restructuring are impaired loans. The following table presents data on impaired loans at December 31 (in thousands):</font></p>

<div>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left">

<table cellspacing="0" border="0">
<tr><td width="32%"> </td>
<td width="11%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="7%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Unpaid</font></b></td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Average</font></b></td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Interest</font></b></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Recorded</font></b></td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Principal</font></b></td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Related</font></b></td>
<td align="center">&nbsp;</td>
<td style="text-indent: 1px;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Recorded</font></b></td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Income</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Investment</font></b><b><sup><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(1)</font></sup></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Balance</font></b><b><sup><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(1)</font></sup></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Allowance</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Investment</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Recognized</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">With no related allowance recorded:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial business</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,441</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,810</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,352</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial mortgage</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">937</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,285</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,013</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,378</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,095</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,365</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">With an allowance recorded:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial business</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,481</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,481</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">996</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,946</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial mortgage</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">449</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,491</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,491</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,006</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,395</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,869</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,586</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,006</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,760</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr><td colspan="11">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">With no related allowance recorded:</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial business</font></td>
<td style="text-indent: 1px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,408</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,741</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,431</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial mortgage</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">781</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">920</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,014</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,189</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,661</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,445</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">With an allowance recorded:</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial business</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,880</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,880</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,556</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,998</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial mortgage</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,239</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,239</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">911</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,560</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,119</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,119</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,467</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,558</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr><td colspan="11">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 1px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,308</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,780</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,467</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,003</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="1">(1) </font><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Difference between recorded investment and unpaid principal balance represents partial charge-offs.</font></font></p></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Credit Quality Indicators</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors such as the fair value of collateral. The Company analyzes commercial business and commercial mortgage loans individually by classifying the loans as to credit risk. Risk ratings are updated any time the situation warrants. The Company uses the following definitions for risk ratings: </font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Special Mention: </font></b><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans classified as special mention have a potential weakness that deserves management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the Company's credit position at some future date.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Substandard: </font></b><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Doubtful: </font></b><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans classified as doubtful have all the weaknesses inherent in those classified as Substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans not meeting the criteria above that are analyzed individually as part of the process described above are considered "Uncriticized" or pass-rated loans and are included in groups of homogeneous loans with similar risk and loss characteristics.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The following table sets forth the Company's commercial loan portfolio, categorized by internally assigned asset classification, as of December 31 (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left">

<table cellspacing="0" border="0">
<tr><td width="42%"> </td>
<td width="2%"> </td>
<td width="41%"> </td>
<td width="2%"> </td>
<td width="10%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td colspan="3" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Commercial Commercial</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Business</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Mortgage</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Uncriticized</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">298,413</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">551,603</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Special mention</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,916</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,015</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Substandard</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,146</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,863</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Doubtful</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">313,475</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">567,481</font></td></tr>
<tr><td colspan="5">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Uncriticized</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">250,961</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">460,880</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Special mention</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,530</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,411</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Substandard</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,886</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,116</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Doubtful</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">267,377</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">476,407</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company utilizes payment status as a means of identifying and reporting problem and potential problem retail loans. The Company considers nonaccrual loans and loans past due greater than 90 days and still accruing interest to be non-performing. The following table sets forth the Company's retail loan portfolio, categorized by payment status, as of December 31 (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left">

<table cellspacing="0" border="0">
<tr><td width="31%"> </td>
<td width="2%"> </td>
<td width="29%"> </td>
<td width="2%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="9%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Residential</font></b></td>
<td align="right">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Home</font></b></td>
<td align="right">&nbsp;</td>
<td align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Consumer</font></b></td>
<td align="right">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Other</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Mortgage</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Equity</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Indirect</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Consumer</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Performing</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">96,977</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">401,729</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">651,027</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,340</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Non-performing</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,325</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">758</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,467</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">21</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">98,302</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">402,487</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">652,494</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,361</font></td></tr>
<tr><td colspan="9">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Performing</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">99,047</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">379,311</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">635,188</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20,896</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Non-performing</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,194</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">463</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,169</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">100,241</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">379,774</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">636,357</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20,915</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Allowance for Loan Losses</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The following tables set forth the changes in the allowance for loan losses for the years ended December 31 (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left">

<table cellspacing="0" border="0">
<tr><td width="15%" align="center"> </td>
<td width="1%" align="center"> </td>
<td width="6%" align="center"> </td>
<td width="2%" align="center"> </td>
<td width="2%" align="center"> </td>
<td width="8%" align="center"> </td>
<td width="2%" align="center"> </td>
<td width="2%" align="center"> </td>
<td width="8%" align="center"> </td>
<td width="2%" align="center"> </td>
<td width="2%" align="center"> </td>
<td width="8%" align="center"> </td>
<td width="2%" align="center"> </td>
<td width="2%" align="center"> </td>
<td width="7%" align="center"> </td>
<td width="2%" align="center"> </td>
<td width="2%" align="center"> </td>
<td width="8%" align="center"> </td>
<td width="2%" align="center"> </td>
<td width="2%" align="center"> </td>
<td width="7%" align="center"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td colspan="7" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Commercial Commercial Residential</font></b></td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Home</font></b></td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Consumer</font></b></td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Other</font></b></td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Business</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Mortgage</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Mortgage</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Equity</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Indirect</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Consumer</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Total</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Allowance for loan losses:</font></b></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Beginning balance</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,621</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,122</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">570</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,485</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11,383</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">456</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">27,637</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Charge-offs</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,433</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(895</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(175</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(421</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(9,156</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(878</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(12,958</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Recoveries</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">212</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">146</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">82</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">63</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,200</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">322</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,025</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Provision (credit)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,140</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,654</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(13</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">101</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,031</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">468</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,381</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Ending balance</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,540</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,027</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">464</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,228</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,458</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">368</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">27,085</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Evaluated for impairment:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Individually</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">996</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,006</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collectively</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,544</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,017</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">464</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,228</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,458</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">368</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">26,079</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr><td colspan="22">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Loans:</font></b></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Ending balance</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">313,475</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">567,481</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">98,302</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">402,487</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">652,494</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,361</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,052,600</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Evaluated for impairment:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Individually</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,922</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">947</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,869</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collectively</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">309,553</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">566,534</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">98,302</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">402,487</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">652,494</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,361</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,047,731</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr><td colspan="22">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Allowance for loan losses:</font></b></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Beginning balance</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,273</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,743</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">676</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,367</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,230</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">447</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">26,736</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Charge-offs</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(204</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(304</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(190</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(340</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(10,004</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(972</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(12,014</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Recoveries</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">201</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">143</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">39</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">56</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,321</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">366</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,126</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Provision</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,351</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">540</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">45</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">402</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,836</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">615</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,789</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Ending balance</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,621</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,122</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">570</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,485</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11,383</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">456</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">27,637</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Evaluated for impairment:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Individually</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,556</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">911</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,467</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collectively</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,065</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,211</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">570</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,485</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11,383</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">456</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,170</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr><td colspan="22">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Loans:</font></b></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Ending balance</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">267,377</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">476,407</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">100,241</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">379,774</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">636,357</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20,915</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,881,071</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Evaluated for impairment:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Individually</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,288</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,020</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,308</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collectively</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">263,089</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">473,387</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">100,241</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">379,774</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">636,357</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20,915</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,873,763</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left">

<table cellspacing="0" border="0">
<tr><td width="15%"> </td>
<td width="2%"> </td>
<td width="1%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="6%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="6%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="5%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td colspan="7" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Commercial Commercial Residential</font></b></td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Home</font></b></td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Consumer</font></b></td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Other</font></b></td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Business</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Mortgage</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Mortgage</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Equity</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Indirect</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Consumer</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Total</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Allowance for loan losses:</font></b></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Beginning balance</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,884</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,581</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">740</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,282</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,715</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">512</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">24,714</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Charge-offs</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,070</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(553</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(411</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(391</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(8,125</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(928</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(11,478</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Recoveries</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">349</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">319</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">54</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">157</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,161</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">381</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,421</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Provision</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">110</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,396</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">293</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">319</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,479</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">482</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,079</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Ending balance</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,273</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,743</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">676</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,367</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,230</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">447</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">26,736</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Evaluated for impairment:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Individually</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">201</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,057</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,258</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collectively</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,072</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,686</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">676</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,367</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,230</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">447</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,478</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr><td colspan="24">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Loans:</font></b></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Ending balance</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">265,751</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">470,312</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">113,101</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" colspan="2" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">320,658</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">609,390</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">22,893</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,802,105</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Evaluated for impairment:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Individually</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,474</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,663</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,137</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collectively</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">262,277</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">460,649</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">113,101</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" colspan="2" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">320,658</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">609,390</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">22,893</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,788,968</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Risk Characteristics</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial business loans primarily consist of loans to small to mid-sized businesses in our market area in a diverse range of industries. These loans are of higher risk and typically are made on the basis of the borrower's ability to make repayment from the cash flow of the borrower's business. Further, the collateral securing the loans may depreciate over time, may be difficult to appraise and may fluctuate in value. The credit risk related to commercial loans is largely influenced by general economic conditions and the resulting impact on a borrower's operations or on the value of underlying collateral, if any.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial mortgage loans generally have larger balances and involve a greater degree of risk than residential mortgage loans, inferring higher potential losses on an individual customer basis. Loan repayment is often dependent on the successful operation and management of the properties, as well as on the collateral securing the loan. Economic events or conditions in the real estate market could have an adverse impact on the cash flows generated by properties securing the Company's commercial real estate loans and on the value of such properties.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Residential mortgage loans and home equities (comprised of home equity loans and home equity lines) are generally made on the basis of the borrower's ability to make repayment from his or her employment and other income, but are secured by real property whose value tends to be more easily ascertainable. Credit risk for these types of loans is generally influenced by general economic conditions, the characteristics of individual borrowers, and the nature of the loan collateral.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Consumer indirect and other consumer loans may entail greater credit risk than residential mortgage loans and home equities, particularly in the case of other consumer loans which are unsecured or, in the case of indirect consumer loans, secured by depreciable assets, such as automobiles or boats. In such cases, any repossessed collateral for a defaulted consumer loan may not provide an adequate source of repayment of the outstanding loan balance. In addition, consumer loan collections are dependent on the borrower's continuing financial stability, and thus are more likely to be affected by adverse personal circumstances such as job loss, illness or personal bankruptcy. Furthermore, the application of various federal and state laws, including bankruptcy and insolvency laws, may limit the amount which can be recovered on such loans.</font></p> </div><span></span>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableDisclosureAbstract</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5066-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.3,4)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5162-111524<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(k))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5074-111524<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 3, 4<br> -Article 5<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 7<br> -Article 9<br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 08<br> -Paragraph k<br> -Article 4<br></p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825038032">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Premises And Equipment, Net<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentAbstract', window );"><strong>Premises And Equipment, Net [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<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_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock', window );">Premises And Equipment, Net</a></td>
<td class="text"><div> <p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(6.) PREMISES AND EQUIPMENT, NET</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Major classes of premises and equipment at December 31 are summarized as follows (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="49%"> </td>
<td width="2%"> </td>
<td width="31%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="8%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Land and land improvements</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,917</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,797</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Buildings and leasehold improvements</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">46,402</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">42,826</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Furniture, fixtures, equipment and vehicles</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">31,868</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">29,853</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Premises and equipment</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">84,187</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">77,476</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Accumulated depreciation and amortization</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(44,742</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(41,082</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Premises and equipment, net</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">39,445</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">36,394</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Depreciation and amortization expense relating to premises and equipment, included in occupancy and equipment expense in the consolidated statements of income, amounted to $<font class="_mt">4.4</font> million, $<font class="_mt">4.0</font> million and $<font class="_mt">3.8</font> million for the years ended December 31, 2015, 2014 and 2013, respectively.</font></p> </div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for long-lived, physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, accounting policies and methodology, roll forwards, depreciation, depletion and amortization expense, including composite depreciation, accumulated depreciation, depletion and amortization expense, useful lives and method used, income statement disclosures, assets held for sale and public utility disclosures.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.13-14)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 205<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1361-107760<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6391110&amp;loc=d3e2921-110230<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br></p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825037744">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Goodwill And Other Intangible Assets<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2015</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock', window );">Goodwill And Other Intangible Assets</a></td>
<td class="text"><div> <p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(7.) GOODWILL AND OTHER INTANGIBLE ASSETS</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Goodwill</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Goodwill is not amortized but, instead, is subject to impairment tests on at least an annual basis, and more frequently if an event occurs or circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying amount. The Company performs its annual impairment test of goodwill as of September 30 of each year. See Note 1 for the Company's accounting policy for goodwill and other intangible assets.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company performed a qualitative assessment of goodwill to determine if it was more likely than not that the fair value of any of its reporting units was less than its carrying value. In performing a qualitative analysis, factors considered include, but are not limited to, business strategy, financial performance and market and regulatory dynamics. Based on its assessment, the Company concluded it was more likely than not that the fair value of its Insurance reporting unit was less than its carrying value. Accordingly, the Company performed a Step 1 review for possible goodwill impairment.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Under Step 1 of the goodwill impairment review, the fair value of the Insurance reporting unit was calculated using income and market-based approaches. Under Step 1, it was determined that the carrying value of our Insurance reporting unit exceeded its fair value. For Step 2, the implied fair value of the Insurance reporting unit's goodwill was compared with the carrying amount of the goodwill for the Insurance reporting unit. Based on this assessment, the Company recorded a goodwill impairment charge related to the Insurance reporting unit of $751 thousand during the quarter ended December 31, 2015.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The results of the qualitative assessment for 2014 indicated that it was not more likely than not that the fair value of any of the Company's reporting units was less than its carrying value. Consequently, no additional quantitative two-step impairment test was required, and no impairment was recorded in 2014.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Declines in the market value of the Company's publicly traded stock price or declines in the Company's ability to generate future cash flows may increase the potential that goodwill recorded on the Company's consolidated statement of financial condition be designated as impaired and that the Company may incur a goodwill write-down in the future.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The change in the balance for goodwill during the years ended December 31 was as follows (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left">

<table cellspacing="0" border="0">
<tr><td width="38%"> </td>
<td width="2%"> </td>
<td width="29%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="8%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Banking</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Insurance</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Total</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Balance, January 1, 2014</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48,536</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48,536</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Acquisition</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,617</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,617</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Balance, December 31, 2014</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48,536</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,617</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">61,153</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Impairment</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(751</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(751</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Balance, December 31, 2015</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48,536</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11,866</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">60,402</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Other Intangible Assets</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company has other intangible assets that are amortized, consisting of core deposit intangibles and other intangibles. Changes in the gross carrying amount, accumulated amortization and net book value for the years ended December 31 were as follows (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left">

<table cellspacing="0" border="0">
<tr><td width="44%"> </td>
<td width="2%"> </td>
<td width="31%" align="right"> </td>
<td width="4%" align="right"> </td>
<td width="2%" align="right"> </td>
<td width="3%" align="right"> </td>
<td width="8%" align="right"> </td>
<td width="2%" align="right"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Core deposit intangibles:</font></b></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Gross carrying amount</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td colspan="2" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,042</font></td>
<td align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,042</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Accumulated amortization</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" colspan="2" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,213</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(917</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net book value</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">829</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,125</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization during the year</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">296</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">341</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr><td bgcolor="#c6d9f1" colspan="8">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Other intangibles:</font></b></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Gross carrying amount</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,640</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,640</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Accumulated amortization</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" colspan="2" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(925</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(279</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net book value</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" colspan="2" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,715</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,361</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization during the year</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">646</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">279</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Core deposit intangible amortization expense was $<font class="_mt">387</font> thousand for the year ended December 31, 2013. Estimated amortization expense of other intangible assets for each of the next five years is as follows:</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left">

<table cellspacing="0" border="0">
<tr><td width="42%"> </td>
<td width="43%"> </td>
<td width="13%"> </td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2016</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">864</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2017</font></td>
<td align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">778</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2018</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">689</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2019</font></td>
<td align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">611</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2020</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">533</font></td></tr></table></div>

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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for the aggregate amount of goodwill and a description of intangible assets, which may include (a) for amortizable intangible assets (also referred to as finite-lived intangible assets), the carrying amount, the amount of any significant residual value, and the weighted-average amortization period, (b) for intangible assets not subject to amortization (also referred to as indefinite-lived intangible assets), the carrying amount, and (c) the amount of research and development assets acquired and written off in the period, including the line item in the income statement in which the amounts written off are aggregated, if not readily apparent from the income statement. Also discloses (a) for amortizable intangibles assets in total and by major class, the gross carrying amount and accumulated amortization, the total amortization expense for the period, and the estimated aggregate amortization expense for each of the five succeeding fiscal years, (b) for intangible assets not subject to amortization the carrying amount in total and by major class, and (c) for goodwill, in total and for each reportable segment, the changes in the carrying amount of goodwill during the period (including the aggregate amount of goodwill acquired, the aggregate amount of impairment losses recognized, and the amount of goodwill included in the gain (loss) on disposal of a reporting unit). If any part of goodwill has not been allocated to a reportable segment, discloses the unallocated amount and the reasons for not allocating. For each impairment loss recognized related to an intangible asset (excluding goodwill), discloses: (a) a description of the impaired intangible asset and the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method for determining fair value, (c) the caption in the income statement or the statement of activities in which the impairment loss is aggregated, and (d) the segment in which the impaired intangible asset is reported. For each goodwill impairment loss recognized, discloses: (a) a description of the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method of determining the fair value of the associated reporting unit, and (c) if a recognized impairment loss is an estimate not finalized and the reasons why the estimate is not final.  May also disclose the nature and amount of any significant adjustments made to a previous estimate of an impairment loss.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16373-109275<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16265-109275<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16323-109275<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13854-109267<br></p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825038032">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Deposits<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_DepositsAbstract', window );"><strong>Deposits:</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_us-gaap_DepositLiabilitiesDisclosuresTextBlock', window );">Deposits</a></td>
<td class="text"><div> <p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(8.) DEPOSITS</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">A summary of deposits as of December 31 are as follows (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="47%"> </td>
<td width="2%"> </td>
<td width="38%"> </td>
<td width="3%"> </td>
<td width="8%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Noninterest-bearing demand</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">641,972</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">571,260</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Interest-bearing demand</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">523,366</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">490,190</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Savings and money market</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">928,175</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">795,835</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Time deposits, due:</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Within one year</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">450,885</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">395,956</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">One to two years</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">97,059</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">122,819</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Two to three years</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">46,545</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11,448</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Three to five years</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">42,482</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">62,991</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Thereafter</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">47</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">28</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total time deposits</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">637,018</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">593,242</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total deposits</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,730,531</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,450,527</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Time deposits in denominations of $250,000 or more at December 31, 2015 and 2014 amounted to $<font class="_mt">92.0</font> million and $<font class="_mt">66.5</font> million, respectively.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Interest expense by deposit type for the years ended December 31 is summarized as follows (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="43%"> </td>
<td width="2%"> </td>
<td width="28%"> </td>
<td width="3%"> </td>
<td width="9%"> </td>
<td width="3%"> </td>
<td width="8%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Interest-bearing demand</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">754</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">607</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">729</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Savings and money market</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,166</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">913</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">978</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Time deposits</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,386</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,846</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,893</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total interest expense on deposits</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,306</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,366</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,600</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p> </div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 405<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br></p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825037744">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Borrowings<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_DebtDisclosureAbstract', window );"><strong>Borrowings [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_us-gaap_DebtDisclosureTextBlock', window );">Borrowings</a></td>
<td class="text"><div> <p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(9.) BORROWINGS</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company classifies borrowings as short-term or long-term in accordance with the original terms of the agreement. Outstanding borrowings are summarized as follows as of December 31 (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="47%"> </td>
<td width="2%"> </td>
<td width="37%"> </td>
<td width="3%"> </td>
<td width="8%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Short-term borrowings:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Short-term FHLB borrowings</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">293,100</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">295,300</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Repurchase agreements</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">39,504</font></td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total short-term borrowings</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">293,100</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">334,804</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Long-term borrowings:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Subordinated notes, net</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">38,990</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total borrowings</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">332,090</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">334,804</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Short-term borrowings</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Repurchase agreements are secured overnight borrowings with customers. Short-term FHLB borrowings have original maturities of less than one year and include overnight borrowings that we typically utilize to address short term funding needs as they arise. Short-term FHLB borrowings at December 31, 2015 consisted of $<font class="_mt">116.8</font> million in overnight borrowings and $<font class="_mt">176.3</font> million in short-term advances. Short-term FHLB borrowings at December 31, 2014 consisted of $<font class="_mt">129.0</font> million in overnight borrowings and $<font class="_mt">166.3</font> million in short-term advances. The FHLB borrowings are collateralized by securities from the Company's investment portfolio and certain qualifying loans. At December 31, 2015 and 2014, the Company's borrowings had a weighted average rate of <font class="_mt">0.53</font>% and <font class="_mt">0.35</font>%, respectively.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Long-term borrowings</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">On April 15, 2015, the Company issued $<font class="_mt">40.0</font> million of <font class="_mt">6.0</font>% fixed to floating rate subordinated notes due April 15, 2030 (the "Subordinated Notes") in a registered public offering. The Subordinated Notes bear interest at a fixed rate of 6.0% per year, payable semi-annually, for the first&nbsp;<font class="_mt">10</font> years. From April 15, 2025 to the April 15, 2030 maturity date, the interest rate will reset quarterly to an annual interest rate equal to the then current three-month London Interbank Offered Rate (LIBOR) plus <font class="_mt">3.944</font>%, payable quarterly. The Subordinated Notes are redeemable by the Company at any quarterly interest payment date beginning on April 15, 2025 to maturity at par, plus accrued and unpaid interest. Proceeds, net of debt issuance costs of $<font class="_mt">1.1</font> million, were $<font class="_mt">38.9</font> million. The net proceeds from this offering were used for general corporate purposes, including but not limited to, contribution of capital to the Bank to support both organic growth and opportunistic acquisitions. The Subordinated Notes qualify as Tier 2 capital for regulatory purposes.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company adopted ASU 2015-03 that requires debt issuance costs to be reported as a direct deduction from the face value of the Subordinated Notes and not as a deferred charge. Refer to Note 1 for additional information. The debt issuance costs will be amortized as an adjustment to interest expense over&nbsp;<font class="_mt">15</font> years.</font></p> </div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21475-112644<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19,20,22)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 19, 20, 22<br> -Article 5<br></p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6834296640">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Commitments and Contingencies<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2015</div></th></tr>
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<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_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock', window );">Commitments And Contingencies</a></td>
<td class="text"><div> <p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(10.) COMMITMENTS AND CONTINGENCIES</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Financial Instruments with Off-Balance Sheet Risk</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company has financial instruments with off-balance sheet risk established in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. These instruments involve, to varying degrees, elements of credit and interest rate risk extending beyond amounts recognized in the financial statements.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is essentially the same as that involved with extending loans to customers. The Company uses the same credit underwriting policies in making commitments and conditional obligations as for on-balance sheet instruments.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Off-balance sheet commitments as of December 31 consist of the following (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="49%"> </td>
<td width="23%"> </td>
<td width="12%"> </td>
<td width="4%"> </td>
<td width="10%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commitments to extend credit</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">514,818</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">450,343</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Standby letters of credit</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11,746</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,578</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the agreement. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Commitments may expire without being drawn upon; therefore the total commitment amounts do not necessarily represent future cash requirements. Each customer's creditworthiness is evaluated on a case-by-case basis. The amount of collateral obtained, if any, is based on management's credit evaluation of the borrower. Standby letters of credit are conditional lending commitments issued by the Company to guarantee the performance of a customer to a third party. These standby letters of credit are primarily issued to support private borrowing arrangements. The credit risk involved in issuing standby letters of credit is essentially the same as that involved in extending loan facilities to customers.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company also extends rate lock agreements to borrowers related to the origination of residential mortgage loans. To mitigate the interest rate risk inherent in these rate lock agreements when the Company intends to sell the related loan, once originated, as well as closed residential mortgage loans held for sale, the Company enters into forward commitments to sell individual residential mortgages. Rate lock agreements and forward commitments are considered derivatives and are recorded at fair value. Forward sales commitments totaled $<font class="_mt">1.3</font> million and $<font class="_mt">1.2</font> million at December 31, 2015 and 2014, respectively. The net change in the fair values of these derivatives was recognized as other noninterest income or other noninterest expense in the consolidated statements of income.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Lease Obligations</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company is obligated under a number of noncancellable operating lease agreements for land, buildings and equipment. Certain of these leases provide for escalation clauses and contain renewal options calling for increased rentals if the lease is renewed. Future minimum payments by year and in the aggregate, under the noncancellable leases with initial or remaining terms of one year or more, are as follows at December 31, 2015 (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="46%"> </td>
<td width="37%"> </td>
<td width="15%"> </td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2016</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,644</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2017</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,271</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2018</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,020</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2019</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">942</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2020</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">810</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Thereafter</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,160</font></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,847</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Rent expense relating to these operating leases, included in occupancy and equipment expense in the statements of income, was $<font class="_mt">2.0</font> million, $<font class="_mt">1.8</font> million and $<font class="_mt">1.7</font> million in 2015, 2014 and 2013, respectively.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Contingent Liabilities</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">In the ordinary course of business there are various threatened and pending legal proceedings against the Company. Based on consultation with outside legal counsel, management believes that the aggregate liability, if any, arising from such litigation would not have a material adverse effect on the Company's consolidated financial statements.</font></p> </div><span></span>
</td>
</tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for commitments and contingencies.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6449706&amp;loc=d3e16207-108621<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 460<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=6398077&amp;loc=d3e12565-110249<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 450<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=25496072&amp;loc=d3e14435-108349<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.25)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 440<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6394976&amp;loc=d3e25287-109308<br></p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825035872">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Regulatory Matters<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_fisi_RegulatoryMattersAbstract', window );"><strong>Regulatory Matters [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_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock', window );">Regulatory Matters</a></td>
<td class="text"><div> <p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(11.) REGULATORY MATTERS</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">General</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The supervision and regulation of financial and bank holding companies and their subsidiaries is intended primarily for the protection of depositors, the deposit insurance funds regulated by the FDIC and the banking system as a whole, and not for the protection of shareholders or creditors of bank holding companies. The various bank regulatory agencies have broad enforcement power over financial holding companies and banks, including the power to impose substantial fines, operational restrictions and other penalties for violations of laws and regulations and for safety and soundness considerations.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Capital</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Banks and bank holding companies are subject to various regulatory capital requirements administered by state and federal banking agencies. Capital adequacy guidelines and, additionally for banks, prompt corrective action regulations, involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators about components, risk weighting and other factors.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Basel III Capital Rules, a new comprehensive capital framework for U.S. banking organizations, became effective for the Company and the Bank on January 1, 2015 (subject to a phase-in period for certain provisions). Quantitative measures established by the Basel III Capital Rules to ensure capital adequacy require the maintenance of minimum amounts and ratios (set forth in the table that follows) of Common Equity Tier 1 capital ("CET1"), Tier 1 capital and Total capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital to adjusted quarterly average assets (as defined).</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company's and the Bank's Common Equity Tier 1 capital includes common stock and related paid-in capital, net of treasury stock, and retained earnings. In connection with the adoption of the Basel III Capital Rules, we elected to opt-out of the requirement to include most components of accumulated other comprehensive income in Common Equity Tier 1. Common Equity Tier 1 for both the Company and the Bank is reduced by goodwill and other intangible assets, net of associated deferred tax liabilities, and subject to transition provisions.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Tier 1 capital includes Common Equity Tier 1 capital and additional Tier 1 capital. For the Company, additional Tier 1 capital at December 31, 2015 includes, subject to limitation, $<font class="_mt">17.3</font> million of preferred stock.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total capital includes Tier 1 capital and Tier 2 capital. Tier 2 capital for both the Company and the Bank includes a permissible portion of the allowance for loan losses. Tier 2 capital for the Company also includes qualified subordinated debt. At December 31, 2015, the Company's Tier 2 capital included $<font class="_mt">39.0</font> million of Subordinated Notes.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Prior to January 1, 2015, under the capital rules then in effect, the Company's and the Bank's Tier 1 capital included total shareholders' equity excluding accumulated other comprehensive income and goodwill and other intangible assets, net of associated deferred tax liabilities. Tier 1 capital for the Company also included $<font class="_mt">17.3</font> million of preferred stock. The Company and the Bank's Total capital included Tier 1 capital for each entity plus a permissible portion of the allowance for loan losses.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Common Equity Tier 1 (beginning in 2015), Tier 1 and Total capital ratios are calculated by dividing the respective capital amounts by risk-weighted assets. Risk-weighted assets are calculated based on regulatory requirements and include total assets, with certain exclusions, allocated by risk weight category, and certain off-balance-sheet items, among other things. The leverage ratio is calculated by dividing Tier 1 capital by adjusted quarterly average total assets, which exclude goodwill and other intangible assets, among other things.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">When fully phased in on January 1, 2019, the Basel III Capital Rules will require the Company and the Bank to maintain (i) a minimum ratio of Common Equity Tier 1 capital to risk-weighted assets of at least <font class="_mt">4.5</font>%, plus a <font class="_mt">2.5</font>% "capital conservation buffer" (which is added to the 4.5% Common Equity Tier 1 capital ratio as that buffer is phased in, effectively resulting in a minimum ratio of Common Equity Tier&nbsp;<font class="_mt">1</font> capital to risk-weighted assets of at least <font class="_mt">7.0</font>% upon full implementation), (ii) a minimum ratio of Tier 1 capital to risk-weighted assets of at least <font class="_mt">6.0</font>%, plus the capital conservation buffer (which is added to the 6.0% Tier 1 capital ratio as that buffer is phased in, effectively resulting in a minimum Tier 1 capital ratio of <font class="_mt">8.5</font>% upon full implementation), (iii) a minimum ratio of Total capital (that is, Tier 1 plus Tier 2) to risk-weighted assets of at least <font class="_mt">8.0</font>%, plus the capital conservation buffer (which is added to the 8.0% total capital ratio as that buffer is phased in, effectively resulting in a minimum total capital ratio of <font class="_mt">10.5</font>% upon full implementation) and (iv) a minimum leverage ratio of <font class="_mt">4.0</font>%, calculated as the ratio of Tier 1 capital to average quarterly assets.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The implementation of the capital conservation buffer will begin on January 1, 2016 at the <font class="_mt">0.625</font>% level and be phased in over a four-year period (increasing by that amount on each subsequent January 1, until it reaches <font class="_mt">2.5</font>% on January 1, 2019). The Basel III Capital Rules also provide for a "countercyclical capital buffer" that is applicable to only certain covered institutions and does not have any current applicability to the Company or the Bank. The capital conservation buffer is designed to absorb losses during periods of economic stress and, as detailed above, effectively increases the minimum required risk-weighted capital ratios. Banking institutions with a ratio of Common Equity Tier 1 capital to risk-weighted assets below the effective minimum (4.5% plus the capital conservation buffer and, if applicable, the countercyclical capital buffer) will face constraints on dividends, equity repurchases and compensation based on the amount of the shortfall.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The following table presents actual and required capital ratios as of December 31, 2015 for the Company and the Bank under the Basel III Capital Rules. The minimum required capital amounts presented include the minimum required capital levels as of December 31, 2015 based on the phase-in provisions of the Basel III Capital Rules and the minimum required capital levels as of January 1, 2019 when the Basel III Capital Rules have been fully phased-in. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules (in thousands):</font></p>

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<td colspan="2" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Minimum Capital</font></b></td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td colspan="2" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Minimum Capital</font></b></td>
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<td style="text-indent: 5px;" colspan="2" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Required to be</font></b></td>
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<td colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Required &#8211; Basel III</font></b></td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Required &#8211; Basel III</font></b></td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Considered Well</font></b></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
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<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Actual</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Phase-in Schedule</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fully Phased-in</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Capitalized</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Ratio</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Ratio</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Ratio</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Ratio</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Tier 1 leverage:</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Company</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">243,452</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7.41</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">131,506</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">131,506</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">164,382</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Bank</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">265,487</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8.09</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">131,188</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">131,188</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">163,985</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">CET1 capital:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Company</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">226,413</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9.77</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">104,334</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.50</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">162,297</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">150,705</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6.50</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Bank</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">265,487</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11.49</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">103,971</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.50</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">161,733</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">150,180</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6.50</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Tier 1 capital:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Company</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">243,452</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10.50</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">139,112</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">197,076</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8.50</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">185,483</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Bank</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">265,487</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11.49</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">138,628</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">196,389</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8.50</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">184,837</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total&nbsp;capital:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Company</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">309,527</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13.35</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">185,483</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">243,446</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10.50</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">231,854</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Bank</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">292,572</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12.66</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">184,837</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">242,599</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10.50</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">231,046</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company's and the Bank's actual and required regulatory capital ratios of December 31, 2014 under the regulatory capital rules then in effect were as follows (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="15%"> </td>
<td width="12%"> </td>
<td width="2%"> </td>
<td width="15%"> </td>
<td width="6%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="6%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Minimum Required</font></b></td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td style="text-indent: 4px;" colspan="2" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Required to be</font></b></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">for Capital</font></b></td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td colspan="2" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Considered Well</font></b></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Actual</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Adequacy Purposes</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Capitalized</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Ratio</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Ratio</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Ratio</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Tier 1 leverage:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Company</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">219,904</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7.35</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">119,722</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">149,653</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Bank</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">215,672</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7.21</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">119,671</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">149,588</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Tier 1 capital:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Company</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">219,904</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10.47</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">83,985</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">125,977</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Bank</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">215,672</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10.28</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">83,889</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">125,834</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total risk-based capital:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Company</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">246,166</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11.72</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">167,970</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">209,962</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Bank</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">241,905</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11.53</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">167,779</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">209,723</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr></table></div></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">As of December 31, 2015, the Company and Bank were considered "well capitalized" under all regulatory capital guidelines. Such determination has been made based on the Tier 1 leverage, CET1capital, Tier 1 capital and total capital ratios.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Federal Reserve Requirements</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">As of December 31, 2015 and 2014, the Bank was not required to maintain a reserve balance at the FRB of New York. The reserve requirement was $<font class="_mt">1.0</font> million as of December 31, 2013.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Dividend Restrictions</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">In the ordinary course of business, the Company is dependent upon dividends from the Bank to provide funds for the payment of dividends to shareholders and to provide for other cash requirements. Banking regulations may limit the amount of dividends that may be paid. Approval by regulatory authorities is required if the effect of dividends declared would cause the regulatory capital of the Bank to fall below specified minimum levels. Approval is also required if dividends declared exceed the net profits for that year combined with the retained net profits for the preceding two years.</font></p> </div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Regulatory Matters [Abstract]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable.  The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1G<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958577-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1C<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958572-112826<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1E<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958574-112826<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1A<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958569-112826<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958570-112826<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1F<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958575-112826<br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1D<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958573-112826<br></p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6834172176">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Shareholders' Equity<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2015</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityNoteAbstract', window );"><strong>Shareholders' Equity [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityNoteDisclosureTextBlock', window );">Shareholders' Equity</a></td>
<td class="text"><div> <p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(12.) SHAREHOLDERS' EQUITY</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company's authorized capital stock consists of&nbsp;<font class="_mt">50,210,000</font> shares of capital stock,&nbsp;<font class="_mt">50,000,000</font> of which are common stock, par value $<font class="_mt">0.01</font> per share, and&nbsp;<font class="_mt">210,000</font> of which are preferred stock, par value $<font class="_mt">100</font> per share, which is designated into two classes, Class A of which&nbsp;<font class="_mt">10,000</font> shares are authorized, and Class B of which&nbsp;<font class="_mt">200,000</font> shares are authorized. There are two series of Class A preferred stock: Series A <font class="_mt">3</font>% preferred stock and the Series A preferred stock. There is one series of Class B preferred stock: Series B-1 <font class="_mt">8.48</font>% preferred stock. There were&nbsp;<font class="_mt">173,398</font> shares of preferred stock issued and&nbsp;<font class="_mt">outstanding</font> as of December 31, 2015 and 2014.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Common Stock</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The following table sets forth the changes in the number of shares of common stock for the years ended December 31:</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="46%"> </td>
<td width="28%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="9%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Outstanding</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Treasury</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Issued</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Shares outstanding at beginning of year</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,118,048</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">279,461</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,397,509</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Restricted stock awards issued</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">59,834</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(59,834</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Restricted stock awards forfeited</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3,490</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,490</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Stock options exercised</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,922</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(18,922</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Treasury stock purchases</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(7,523</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,523</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Stock awards</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,401</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(4,401</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Shares outstanding at end of year</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,190,192</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">207,317</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,397,509</font></td></tr>
<tr><td colspan="6">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Shares outstanding at beginning of year</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,829,355</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">332,242</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,161,597</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Shares issued for the SDN acquisition</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">235,912</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">235,912</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Restricted stock awards issued</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">43,242</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(43,242</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Restricted stock awards forfeited</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(15,441</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">15,441</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Stock options exercised</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">34,082</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(34,082</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Treasury stock purchases</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(9,102</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,102</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Shares outstanding at end of year</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,118,048</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">279,461</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,397,509</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Preferred Stock</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">Series A 3% Preferred Stock. </font></i></b><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">There were&nbsp;<font class="_mt">1,492</font> shares of Series A 3% preferred stock issued and outstanding as of December 31, 2015 and 2014. Holders of Series A 3% preferred stock are entitled to receive an annual dividend of $<font class="_mt">3.00</font> per share, which is cumulative and payable quarterly. Holders of Series A 3% preferred stock have no pre-emptive right in, or right to purchase or subscribe for, any additional shares of the Company's capital stock and have no voting rights. Dividend or dissolution payments to the Class A shareholders must be declared and paid, or set apart for payment, before any dividends or dissolution payments can be declared and paid, or set apart for payment, to the holders of Class B preferred stock or common stock. The Series A 3% preferred stock is not convertible into any other of the Company's securities.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">Series B-1 8.48% Preferred Stock. </font></i></b><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">There were&nbsp;<font class="_mt">171,906</font> shares of Series B-1 8.48% preferred stock issued and outstanding as of December 31, 2015 and 2014. Holders of Series B-1 8.48% preferred stock are entitled to receive an annual dividend of $<font class="_mt">8.48</font> per share, which is cumulative and payable quarterly. Holders of Series B-1 8.48% preferred stock have no pre-emptive right in, or right to purchase or subscribe for, any additional shares of the Company's common stock and have no voting rights. Accumulated dividends on the Series B-1 8.48% preferred stock do not bear interest, and the Series B-1 8.48% preferred stock is not subject to redemption. Dividend or dissolution payments to the Class B shareholders must be declared and paid, or set apart for payment, before any dividends or dissolution payments are declared and paid, or set apart for payment, to the holders of common stock. The Series B-1 8.48% preferred stock is not convertible into any other of the Company's securities.</font></p> </div><span></span>
</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquityNoteAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><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">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockholdersEquityNoteAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for shareholders' equity comprised of portions attributable to the parent entity and noncontrolling interest, including other comprehensive income. Includes, but is not limited to, balances of common stock, preferred stock, additional paid-in capital, other capital and retained earnings, accumulated balance for each classification of other comprehensive income and amount of comprehensive income.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(d),(e))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21484-112644<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB TOPIC 4.E)<br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74512-122707<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21488-112644<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29-31)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 4<br> -Subparagraph (SAB TOPIC 4.C)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187143-122770<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21506-112644<br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6405834&amp;loc=d3e23285-112656<br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21475-112644<br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Preferred Stock<br> -URI http://asc.fasb.org/extlink&amp;oid=6521494<br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21564-112644<br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 08<br> -Paragraph d<br> -Article 4<br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29, 30, 31<br> -Article 5<br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Staff Accounting Bulletin (SAB)<br> -Number Topic 4<br> -Section E<br><br>Reference 17: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 08<br> -Article 4<br><br>Reference 18: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Staff Accounting Bulletin (SAB)<br> -Number Topic 4<br> -Section C<br><br>Reference 19: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Article 3<br></p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6834178592">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Accumulated Other Comprehensive Income (Loss)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract', window );"><strong>Accumulated Other Comprehensive Income (Loss) [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_us-gaap_ComprehensiveIncomeNoteTextBlock', window );">Accumulated Other Comprehensive Income (Loss)</a></td>
<td class="text"><div> <p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(13.) ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The following table presents the components of other comprehensive income (loss) for the years ended December 31 (in thousands):</font></p>

<div>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="56%"> </td>
<td width="2%"> </td>
<td width="14%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="8%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td width="56%" align="left">&nbsp;</td>
<td width="2%" align="right"><b> </b></td>
<td width="14%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Pre</font></b>-tax</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Net</font></b>-of-tax</font></b></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="56%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="8%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Tax Effect</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="56%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Securities available for sale and transferred securities:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Change in unrealized gain/loss during the period</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,529</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(591</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(938</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Reclassification adjustment for net gains included in net income&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1)</font></sup></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,251</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(868</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,383</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 7px;" bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total securities available for sale and transferred securities</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3,780</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,459</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,321</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Pension and post-retirement obligations:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net actuarial gains (losses) arising during the year</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(887</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(342</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(545</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization of net actuarial loss and prior service cost included in income</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">895</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">345</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">550</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 7px;" bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total pension and post-retirement obligations</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other comprehensive loss</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3,772</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,456</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,316</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr><td width="99%" colspan="10">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="56%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Securities available for sale and transferred securities:</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="14%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Change in unrealized gain/loss during the period</font></td>
<td width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,008</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,549</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,459</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Reclassification adjustment for net gains included in net income&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1)</font></sup></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,478</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(981</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,497</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total securities available for sale and transferred securities</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11,530</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,568</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,962</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Pension and post-retirement obligations:</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="14%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net actuarial gains (losses) arising during the year</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(9,709</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3,846</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(5,863</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization of net actuarial loss and prior service cost included in income</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">128</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">51</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">77</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total pension and post-retirement obligations</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(9,581</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3,795</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(5,786</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other comprehensive income</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,949</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">773</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,176</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr><td bgcolor="#c6d9f1" width="99%" colspan="10">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="56%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Securities available for sale and transferred securities:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Change in unrealized gain/loss during the period</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(34,135</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(13,522</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(20,613</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Reclassification adjustment for net gains included in net income&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1)</font></sup></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,298</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(514</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(784</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total securities available for sale and transferred securities</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(35,433</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(14,036</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(21,397</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Pension and post-retirement obligations:</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="14%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net actuarial gains (losses) arising during the year</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11,860</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,698</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,162</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization of net actuarial loss and prior service cost included in income</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,316</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">521</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">795</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total pension and post-retirement obligations</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,176</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,219</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,957</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other comprehensive loss</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(22,257</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(8,817</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(13,440</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="1">(1) </font><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Includes amounts related to the amortization/accretion of unrealized net gains and losses related to the Company's reclassification of available for sale investment securities to the held to maturity category. The unrealized net gains/losses will be amortized/accreted over the remaining life of the investment securities as an adjustment of yield.</font></font></p></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Activity in accumulated other comprehensive income (loss), net of tax, was as follows (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="52%"> </td>
<td width="3%"> </td>
<td width="12%"> </td>
<td width="2%"> </td>
<td width="1%"> </td>
<td width="11%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="12%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td width="52%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="12%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Securities</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="12%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="52%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="12%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Available for</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="11%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Pension and</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="12%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Accumulated</font></b></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="52%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="12%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Sale and</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="11%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Post</font></b>-</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="12%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Other</font></b></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="52%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="12%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Transferred</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="11%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">retirement</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="12%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Comprehensive</font></b></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="52%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Securities</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Obligations</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Income (Loss)</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Balance at January 1, 2015</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,625</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(10,636</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(9,011</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other comprehensive income (loss) before reclassifications</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(938</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(545</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,483</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amounts reclassified from accumulated other comprehensive income</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,383</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">550</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(833</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net current period other comprehensive (loss) income</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,321</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,316</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Balance at December 31, 2015</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(696</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(10,631</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(11,327</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr><td bgcolor="#c6d9f1" width="99%" colspan="10">&nbsp;</td></tr>
<tr><td bgcolor="#c6d9f1" width="99%" colspan="10">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Balance at January 1, 2014</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(5,337</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="1%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(4,850</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(10,187</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other comprehensive income (loss) before reclassifications</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,459</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(5,863</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,596</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amounts reclassified from accumulated other comprehensive income</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,497</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">77</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,420</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net current period other comprehensive (loss) income</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,962</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(5,786</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,176</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Balance at December 31, 2014</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,625</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(10,636</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(9,011</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr><td bgcolor="#c6d9f1" width="99%" colspan="10">&nbsp;</td></tr>
<tr><td bgcolor="#c6d9f1" width="99%" colspan="10">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Balance at January 1, 2013</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">16,060</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(12,807</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,253</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other comprehensive income (loss) before reclassifications</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(20,613</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,162</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(13,451</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amounts reclassified from accumulated other comprehensive income</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(784</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">795</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net current period other comprehensive income (loss)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(21,397</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,957</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(13,440</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Balance at December 31, 2013</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(5,337</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(4,850</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(10,187</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The following table presents the amounts reclassified out of each component of accumulated other comprehensive income (loss) for the years ended December 31 (in thousands):</font></p>

<div>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="36%"> </td>
<td width="2%"> </td>
<td width="11%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="2%"> </td>
<td width="32%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td colspan="4" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount Reclassified from</font></b></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Details About Accumulated Other</font></b></td>
<td align="right">&nbsp;</td>
<td colspan="4" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Accumulated Other</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Affected Line Item in the</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Comprehensive Income Components</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="4" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Comprehensive Income</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Consolidated Statement of Income</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Realized gain on sale of investment securities</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,988</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,041</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net gain on disposal of investment securities</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization of unrealized holding gains (losses)</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">on investment securities transferred from</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">available for sale to held to maturity</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">263</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">437</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Interest income</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,251</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,478</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total before tax</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(868</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(981</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income tax expense</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,383</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,497</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net of tax</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization of pension and post-retirement items:</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Prior service credit&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1)</font></sup></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Salaries and employee benefits</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net actuarial losses&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1)</font></sup></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(943</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(176</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Salaries and employee benefits</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(895</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(128</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total before tax</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">345</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">51</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income tax benefit</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(550</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(77</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net of tax</font></td></tr>
<tr><td colspan="8">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total reclassified for the period</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">833</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,420</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="1">(1) </font><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">These items are included in the computation of net periodic pension expense. See Note 17 &#8211; Employee Benefit Plans for additional information.</font></font></p></div> </div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for comprehensive income, which includes, but is not limited to, 1) the amount of income tax expense or benefit allocated to each component of other comprehensive income, including reclassification adjustments, 2) the reclassification adjustments for each classification of other comprehensive income and 3) the ending accumulated balances for each component of comprehensive income.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e689-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669619-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e640-108580<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 17<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e716-108580<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 16<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e709-108580<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e681-108580<br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Reclassification Adjustments<br> -URI http://asc.fasb.org/extlink&amp;oid=6522872<br></p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6834180720">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Share-Based Compensation<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_ShareBasedCompensationAbstract', window );"><strong>Share-Based Compensation [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<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_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock', window );">Share-Based Compensation</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(14.) SHARE-BASED COMPENSATION</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company maintains certain stock-based compensation plans, approved by the Company's shareholders that are administered by the Management Development and Compensation Committee (the "Compensation Committee") of the Board. In May 2015, the Company's shareholders approved the 2015 Long-Term Incentive Plan (the "2015 Plan") to replace the 2009 Management Stock Incentive Plan and the 2009 Directors' Stock Incentive Plan (collectively, the "2009 Plans"). A total of&nbsp;<font class="_mt">438,076</font> shares transferred from the 2009 Plans were available for grant pursuant to the 2015 Plan as of May 6, 2015, the date of approval of the 2015 Plan. In addition, any shares subject to outstanding awards under the 2009 Plans that are canceled, expired, forfeited or otherwise not issued or are settled in cash on or after May 6, 2015, will become available for future award grants under the 2015 Plan. As of December 31, 2015, there were approximately&nbsp;<font class="_mt">424,000</font> shares available for grant under the 2015 Plan.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Under the Plan, the Compensation Committee may establish and prescribe grant guidelines including various terms and conditions for the granting of stock-based compensation. For stock options, the exercise price of each option equals the market price of the Company's stock on the date of the grant. All options expire after a period of&nbsp;<font class="_mt">ten</font> years from the date of grant and generally become fully exercisable over a period of&nbsp;<font class="_mt">3</font> to&nbsp;<font class="_mt">5</font> years from the grant date. When an option recipient exercises their options, the Company issues shares from treasury stock and records the proceeds as additions to capital. Shares of restricted stock granted to employees generally vest over&nbsp;<font class="_mt">2</font> to&nbsp;<font class="_mt">3</font> years from the grant date.&nbsp;<font class="_mt">Fifty</font> percent of the shares of restricted stock granted to non-employee directors generally vests on the date of grant and the remaining&nbsp;<font class="_mt">fifty</font> percent generally vests one year from the grant date. Vesting of the shares may be based on years of service, established performance measures or both. If restricted stock grants are forfeited before they vest, the shares are reacquired into treasury stock.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The share-based compensation plans were established to allow for the granting of compensation awards to attract, motivate and retain employees, executive officers and non-employee directors who contribute to the long-term growth and profitability of the Company and to give such persons a proprietary interest in the Company, thereby enhancing their personal interest in the Company's success.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company awarded grants of&nbsp;<font class="_mt">36,384</font> shares of restricted common stock to certain members of management during the year ended December 31, 2015.&nbsp;<font class="_mt">Thirty</font> percent of the shares subject to each grant will be earned based upon achievement of an EPS performance requirement for the Company's fiscal year ended December 31, 2015. The remaining&nbsp;<font class="_mt">seventy</font> percent of the shares will be earned based on the Company's achievement of a relative total shareholder return ("TSR") performance requirement, on a percentile basis, compared to the SNL Small Cap Bank &amp; Thrifts Index over a <font class="_mt">three</font>-year performance period ended December 31, 2017. The shares earned based on the achievement of the EPS and TSR performance requirements, if any, will vest on February 25, 2018 assuming the recipient's continuous service to the Company.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The grant-date fair value of the TSR portion of the award granted during the year ended December 31, 2015 was determined using the Monte Carlo simulation model on the date of grant, assuming the following (i) expected term of&nbsp;<font class="_mt">2.85</font> years, (ii) risk free interest rate of <font class="_mt">0.92</font>%, (iii) expected dividend yield of <font class="_mt">3.53</font>% and (iv) expected stock price volatility over the expected term of the TSR award of <font class="_mt">26.8</font>%. The grant-date fair value of all other restricted stock awards is equal to the closing market price of the Company's common stock on the date of grant.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company granted&nbsp;<font class="_mt">12,700</font> additional shares of restricted common stock to management during the year ended December 31, 2015. These shares will vest after completion of a <font class="_mt">three</font>-year service requirement. The average market price of the restricted stock awards on the date of grant was $<font class="_mt">22.79</font>.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">During the year ended December 31, 2015, the Company granted a total of&nbsp;<font class="_mt">10,750</font> restricted shares of common stock to non-employee directors, of which&nbsp;<font class="_mt">5,380</font> shares vested immediately and&nbsp;<font class="_mt">5,370</font> shares will vest after completion of a <font class="_mt">one</font>-year service requirement. The market price of the restricted stock on the date of grant was $<font class="_mt">23.25</font>. In addition, the Company issued a total of&nbsp;<font class="_mt">4,401</font> shares of common stock in-lieu of cash for the annual retainer of&nbsp;<font class="_mt">three</font> non-employee directors during the year ended December 31, 2015. The weighted average market price of the stock on the date of grant was $<font class="_mt">24.96</font>.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The restricted stock </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#010202" size="2">awards granted to management and directors in 2015 do not have rights to dividends or dividend equivalents.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company uses the Black-Scholes valuation method to estimate the fair value of its stock option awards. There were&nbsp;<font class="_mt">no</font> stock options awarded during 2015, 2014 or 2013. There was&nbsp;<font class="_mt">no</font> unrecognized compensation expense related to unvested stock options as of December 31, 2015. The following is a summary of stock option activity for the year ended December 31, 2015 (dollars in thousands, except per share amounts):</font></p>

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<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Weighted</font></b></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Weighted</font></b></td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Average</font></b></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Average</font></b></td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Remaining</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Aggregate</font></b></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Number of</font></b></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Exercise</font></b></td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Contractual</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Intrinsic</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Options</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Price</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Term</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Value</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Outstanding at beginning of year</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">135,416</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19.25</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Granted</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Exercised</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(18,922</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18.99</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Forfeited</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Expired</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(14,245</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19.87</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Outstanding and exercisable at end of period</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">102,249</font></td>
<td align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19.21</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1.3 years</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">899</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The aggregate intrinsic value (the amount by which the market price of the stock on the date of exercise exceeded the market price of the stock on the date of grant) of option exercises for the years ended December 31, 2015, 2014 and 2013 was $<font class="_mt">106</font> thousand, $<font class="_mt">161</font> thousand, and $<font class="_mt">106</font> thousand, respectively. The total cash received as a result of option exercises under stock compensation plans for the years ended December 31, 2015, 2014 and 2013 was $<font class="_mt">359</font> thousand, $<font class="_mt">667</font> thousand, and $<font class="_mt">448</font> thousand, respectively. The tax benefits realized in connection with these stock option exercises were not significant.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The following is a summary of restricted stock award activity for the year ended December 31, 2015:</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="50%"> </td>
<td width="29%"> </td>
<td width="4%"> </td>
<td width="3%"> </td>
<td width="12%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Weighted</font></b></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Average</font></b></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Market</font></b></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Number of</font></b></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Price at</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Shares</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Grant Date</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Outstanding at beginning of year</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">59,113</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17.24</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Granted</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">59,834</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17.66</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Vested</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(32,549</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17.80</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Forfeited</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3,490</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19.32</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Outstanding at end of period</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">82,908</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17.23</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">As of December 31, 2015, there was $<font class="_mt">737</font> thousand of unrecognized compensation expense related to unvested restricted stock awards that is expected to be recognized over a weighted average period of&nbsp;<font class="_mt">1.8</font> years.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company amortizes the expense related to restricted stock awards over the vesting period. Share-based compensation expense is recorded as a component of salaries and employee benefits in the consolidated statements of income for awards granted to management and as a component of other noninterest expense for awards granted to directors. The share-based compensation expense for the years ended December 31 was as follows (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="52%"> </td>
<td width="28%"> </td>
<td width="5%"> </td>
<td width="3%"> </td>
<td width="5%"> </td>
<td width="3%"> </td>
<td width="4%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" width="52%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 6px;" width="28%" align="left"><b> </b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b>&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b>&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="4%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b>&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Salaries and employee benefits</font></td>
<td bgcolor="#c6d9f1" width="28%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="5%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">431</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="5%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">270</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="4%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">236</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other noninterest expense</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="28%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">243</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">201</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="4%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">171</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total share-based compensation expense</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="28%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="5%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">674</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="5%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">471</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="4%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">407</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p><br /></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"> </font></p> </div><span></span>
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<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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 40<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6418621&amp;loc=d3e17540-113929<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 50<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6406099&amp;loc=d3e25284-112666<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5047-113901<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5444-113901<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Staff Accounting Bulletin (SAB)<br> -Number Topic 14<br></p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825147280">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Taxes [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_us-gaap_IncomeTaxDisclosureTextBlock', window );">Income Taxes</a></td>
<td class="text"><div> <p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(15.) INCOME TAXES</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The income tax expense for the years ended December 31 consisted of the following (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="40%"> </td>
<td width="2%"> </td>
<td width="30%"> </td>
<td width="3%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="7%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Current tax expense (benefit):</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,720</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,546</font></td>
<td align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,917</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">State</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">21</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(75</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,913</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total current tax expense</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,741</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,471</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,830</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Deferred tax expense (benefit):</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,440</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,538</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,251</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">State</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">358</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(384</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">296</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total deferred tax expense</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,798</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,154</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,547</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total income tax expense</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,539</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,625</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,377</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income tax expense differed from the statutory federal income tax rate for the years ended December 31 as follows:</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="50%"> </td>
<td width="20%"> </td>
<td width="2%"> </td>
<td width="12%"> </td>
<td width="2%"> </td>
<td width="9%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Statutory federal tax rate</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">35.0</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">35.0</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">35.0</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Increase (decrease) resulting from:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Tax exempt interest income</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(6.1</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(5.1</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(4.8</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Tax credits and adjustments</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(0.7</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3.5</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Non-taxable earnings on company owned life insurance</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1.8</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1.6</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1.6</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">State taxes, net of federal tax benefit</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">0.7</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(0.8</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.8</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Nondeductible expenses</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">0.3</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">0.5</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">0.2</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Goodwill and contingent consideration adjustments</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(0.3</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other, net</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">0.2</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">0.1</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Effective tax rate</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">27.1</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">24.7</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">32.7</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total income tax expense (benefit) was allocated as follows for the years ended December 31 (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="36%"> </td>
<td width="2%"> </td>
<td width="33%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="8%"> </td>
<td width="3%"> </td>
<td width="7%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income tax expense</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,539</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,625</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,377</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Shareholder's equity</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,456</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">925</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(8,817</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company recognizes deferred income taxes for the estimated future tax effects of differences between the tax and financial statement bases of assets and liabilities considering enacted tax laws. These differences result in deferred tax assets and liabilities, which are included in other assets in the Company's consolidated statements of condition. The Company also assesses the likelihood that deferred tax assets will be realizable based on, among other considerations, future taxable income and establishes, if necessary, a valuation allowance for those deferred tax assets determined to not likely be realizable. A deferred tax asset valuation allowance is recognized if, based on the weight of available evidence (both positive and negative), it is more likely than not that some portion or all of the deferred tax assets will not be realized. The future realization of deferred tax benefits depends upon the existence of sufficient taxable income within the carry-back and carry-forward periods. Management's judgment is required in determining the appropriate recognition of deferred tax assets and liabilities, including projections of future taxable income.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company's net deferred tax asset is included in other assets in the consolidated statements of condition. The tax effects of temporary differences that give rise to the deferred tax assets and deferred tax liabilities are as follows at December 31 (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="58%"> </td>
<td width="2%"> </td>
<td width="27%"> </td>
<td width="3%"> </td>
<td width="7%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Deferred tax assets:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Allowance for loan losses</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,452</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,666</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Deferred compensation</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">972</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">938</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Investment in limited partnerships</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">954</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">953</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">SERP agreements</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">767</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">704</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Interest on nonaccrual loans</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">615</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">664</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Benefit of tax credit carryforwards</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">502</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">569</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Share-based compensation</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">538</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">565</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net unrealized loss on securities available for sale</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">420</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other than temporary impairment of investment securities</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,917</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">328</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">520</font></td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Gross deferred tax assets</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">15,548</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17,496</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Deferred tax liabilities:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Prepaid pension costs</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,065</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,346</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Intangible assets</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,667</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,662</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Depreciation and amortization</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,004</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,249</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net unrealized gain on securities available for sale</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,039</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loan servicing assets</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">479</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">525</font></td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Gross deferred tax liabilities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,215</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,821</font></td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net deferred tax asset</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,333</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,675</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">In March 2014, the New York legislature approved changes in the state tax law that will be phased-in over two years, beginning in 2015. The primary changes that impact us include the repeal of the Article 32 franchise tax on banking corporations ("Article 32A") for 2015, expanded nexus standards for 2015 and a reduction in the corporate tax rate for 2016. The repeal of Article 32A and the expanded nexus standards lowered our taxable income apportioned to New York in 2015 compared to 2014. In addition, the New York state income tax rate will be reduced from <font class="_mt">7.1</font>% to <font class="_mt">6.5</font>% in 2016.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Based upon the Company's historical and projected future levels of pre-tax and taxable income, the scheduled reversals of taxable temporary differences to offset future deductible amounts, and prudent and feasible tax planning strategies, management believes it is more likely than not that the deferred tax assets will be realized. As such,&nbsp;<font class="_mt">no</font> valuation allowance has been recorded as of December 31, 2015 or 2014.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company and its subsidiaries are primarily subject to federal and New York income taxes. The federal income tax years currently open for audit are 2013 through 2015. The New York income tax years currently open for audit are 2012 through 2015.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">At December 31, 2015, the Company had no federal or New York net operating loss carryforwards. The Company has New York tax credits of approximately $<font class="_mt">800</font> thousand which have an unlimited carryforward period.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company's unrecognized tax benefits and changes in unrecognized tax benefits were not significant as of or for the years ended December 31, 2015, 2014 and 2013. There were&nbsp;<font class="_mt">no</font> material interest or penalties recorded in the income statement in income tax expense for the years ended December 31, 2015, 2014 and 2013. As of December 31, 2015 and 2014, there were&nbsp;<font class="_mt">no</font> amounts accrued for interest or penalties related to uncertain tax positions.</font></p> </div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32559-109319<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32718-109319<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 08<br> -Paragraph h<br> -Article 4<br></p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6834180720">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Earnings Per Common Share<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings Per Common Share [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<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_us-gaap_EarningsPerShareTextBlock', window );">Earnings Per Common Share</a></td>
<td class="text"><div> <p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(16.) EARNINGS PER COMMON SHARE</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The following table presents a reconciliation of the earnings and shares used in calculating basic and diluted EPS for each of the years ended December 31 (in thousands, except per share amounts). All outstanding unvested share-based payment awards that contain rights to nonforfeitable dividends are considered participating securities.</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="60%"> </td>
<td width="2%"> </td>
<td width="5%"> </td>
<td width="3%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="3%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="60%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b>&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="60%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net income available to common shareholders for EPS</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="5%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">26,875</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">27,893</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">24,064</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="60%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Weighted average common shares outstanding:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="60%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total shares issued</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="5%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,398</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,261</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,162</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="60%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Unvested restricted stock awards</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="5%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(93</font></td>
<td width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(64</font></td>
<td width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(69</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="60%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Treasury shares</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="5%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(224</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(304</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(354</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" width="60%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total basic weighted average common shares outstanding</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="5%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,081</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,893</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,739</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="60%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Incremental shares from assumed:</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="5%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 9px;" width="60%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Exercise of stock options</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="5%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">24</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">26</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 9px;" bgcolor="#c6d9f1" width="60%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Vesting of restricted stock awards</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="5%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">30</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">27</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">32</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" width="60%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total diluted weighted average common shares outstanding</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,135</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,946</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,784</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td></tr>
<tr><td width="99%" colspan="10">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="60%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Basic earnings per common share</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1.91</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2.01</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1.75</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="60%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Diluted earnings per common share</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="5%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1.90</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2.00</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1.75</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">For each of the periods presented, average shares subject to the following instruments were excluded from the computation of diluted EPS because the effect would be antidilutive:</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="31%"> </td>
<td width="32%"> </td>
<td width="32%"> </td>
<td width="4%"> </td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="31%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Stock options</font></td>
<td bgcolor="#c6d9f1" width="32%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></font></td>
<td bgcolor="#c6d9f1" width="32%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">&nbsp;3</font></td>
<td bgcolor="#c6d9f1" width="4%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">122</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="31%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Restricted stock awards</font></td>
<td width="32%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1</font></font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="32%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">&nbsp;1</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="4%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="31%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total</font></td>
<td bgcolor="#c6d9f1" width="32%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1</font></font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="32%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">&nbsp;4</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="4%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">124</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">There were no participating securities outstanding for the years ended December 2015, 2014 and 2013; therefore, the two-class method of calculating basic and diluted EPS was not applicable for the years presented.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p> </div><span></span>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6636954464">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefit Plans<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_DefinedBenefitPensionPlansAndDefinedBenefitPostretirementPlansDisclosureAbstract', window );"><strong>Employee Benefit Plans [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_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock', window );">Employee Benefit Plans</a></td>
<td class="text"><div> <p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(17.) EMPLOYEE BENEFIT PLANS</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Defined Contribution Plan</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Employees that meet specified eligibility conditions are eligible to participate in the Company sponsored 401(k) plan. Under the plan, participants may make contributions, in the form of salary deferrals, up to the maximum Internal Revenue Code limit.&nbsp;Until December 31, 2015, the&nbsp;Company matched a participant's contributions up to <font class="_mt">4.5</font>% of compensation, calculated at <font class="_mt">100</font>% of the first <font class="_mt">3</font>% of compensation and <font class="_mt">50</font>% of the next <font class="_mt">3</font>% of compensation deferred by the participant. The Company&nbsp;was also permitted to&nbsp;make additional discretionary matching contributions, although no such additional discretionary contributions were made in 2015, 2014 or 2013. The expense included in salaries and employee benefits in the consolidated statements of income for this plan amounted to $<font class="_mt">1.3</font> million in 2015 and $<font class="_mt">1.1</font> million in 2014 and 2013. Effective January 1, 2016, the 401(k) Plan was amended to discontinue the Company's matching contribution.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Defined Benefit Pension Plan</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company participates in The New York State Bankers Retirement System (the "Plan"), a defined benefit pension plan covering substantially all employees, subject to the limitations related to the plan closure effective December 31, 2006. Prior to January 1, 2016, the benefits&nbsp;were generally&nbsp;based on years of service and the employee's highest average compensation during&nbsp;<font class="_mt">five</font> consecutive years of employment. The defined benefit plan was closed to new participants effective December 31, 2006. Only employees hired on or before December 31, 2006 and who met participation requirements on or before January 1, 2008 were eligible to receive benefits.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Effective January 1, 2016, the Plan was amended to </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#080709" size="2">open the Plan up to eligible employees who were hired on and after January 1, 2007, discontinue the Plan's prior formula and provide all eligible participants with a cash balance benef</font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#222122" size="2">i</font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#080709" size="2">t formula</font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#5c5a5b" size="2">.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The following table provides a reconciliation of the Company's changes in the Plan's benefit obligations, fair value of assets and a statement of the funded status as of and for the year ended December 31 (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="52%"> </td>
<td width="2%"> </td>
<td width="29%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="7%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Change in projected benefit obligation:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Projected benefit obligation at beginning of period</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">61,732</font></td>
<td align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48,991</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Service cost</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,324</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,918</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Interest cost</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,328</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,291</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Actuarial (gain) loss</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(4,406</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,938</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Benefits paid and plan expenses</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,746</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,406</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 8px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Projected benefit obligation at end of period</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">59,232</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">61,732</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Change in plan assets:</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fair value of plan assets at beginning of period</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">75,584</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">64,603</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Actual return on plan assets</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(480</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,387</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Employer contributions</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,000</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Benefits paid and plan expenses</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,746</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,406</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 8px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fair value of plan assets at end of period</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">72,358</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">75,584</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Funded status at end of period</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,126</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,852</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The accumulated benefit obligation was $<font class="_mt">53.5</font> million and $<font class="_mt">54.9</font> million at December 31, 2015 and 2014, respectively.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company's funding policy is to contribute, at a minimum, an actuarially determined amount that will satisfy the minimum funding requirements determined under the appropriate sections of Internal Revenue Code. The Company had no minimum required contribution for the 2016 fiscal year.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Estimated benefit payments under the Plan over the next ten years at December 31, 2015 are as follows (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="48%"> </td>
<td width="35%"> </td>
<td width="16%"> </td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2016</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,127</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2017</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,288</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2018</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,346</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2019</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,472</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2020</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,666</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2021 - 2025</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">15,627</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net periodic pension cost consists of the following components for the years ended December 31 (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="43%"> </td>
<td width="2%"> </td>
<td width="23%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="7%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Service cost</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,324</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,918</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,063</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Interest cost on projected benefit obligation</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,328</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,291</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,017</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Expected return on plan assets</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(4,820</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(4,117</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3,684</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization of unrecognized loss</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">926</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">159</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,344</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization of unrecognized prior service cost</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net periodic pension cost</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">778</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">271</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,760</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The actuarial assumptions used to determine the net periodic pension cost were as follows:</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="42%"> </td>
<td width="28%"> </td>
<td width="2%"> </td>
<td width="12%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Weighted average discount rate</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.86</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.80</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.84</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Rate of compensation increase</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.00</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.00</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.00</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Expected long-term rate of return</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6.50</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6.50</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6.50</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The actuarial assumptions used to determine the projected benefit obligation were as follows:</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="41%"> </td>
<td width="28%"> </td>
<td width="2%"> </td>
<td width="12%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Weighted average discount rate</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.21</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.86</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.80</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Rate of compensation increase</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.00</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.00</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.00</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td></tr></table></div></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The weighted average discount rate was based upon the projected benefit cash flows and the market yields of high grade corporate bonds that are available to pay such cash flows.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The weighted average expected long</font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">term rate of return is estimated based on current trends in the Plan's assets as well as projected future rates of return on those assets and reasonable actuarial assumptions based on the guidance provided by Actuarial Standard of Practice No. 27, "Selection of Economic Assumptions for Measuring Pension Obligations" for long term inflation, and the real and nominal rate of investment return for a specific mix of asset classes. The following assumptions were used in determining the long</font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">term rate of return:</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="24%"> </td>
<td width="75%"> </td></tr>
<tr valign="top"><td bgcolor="#c6d9f1" width="24%">

<p><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Equity securities</font></p></td>
<td bgcolor="#c6d9f1" width="75%">

<p><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Dividend discount model, the smoothed earnings yield model and the equity risk premium model</font></p></td></tr>
<tr valign="top"><td width="24%">

<p><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fixed income securities</font></p></td>
<td width="75%">

<p><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Current yield</font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">to</font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">maturity and forecasts of future yields</font></p></td></tr>
<tr valign="top"><td bgcolor="#c6d9f1" width="24%">

<p><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other financial instruments</font></p></td>
<td bgcolor="#c6d9f1" width="75%">

<p><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Comparison of the specific investment's risk to that of fixed income and equity instruments and using judgment</font></p></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The long term rate of return considers historical returns. Adjustments were made to historical returns in order to reflect expectations of future returns. These adjustments were due to factor forecasts by economists and long</font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">term U.S. Treasury yields to forecast long</font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">term inflation. In addition, forecasts by economists and others for long</font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">term GDP growth were factored into the development of assumptions for earnings growth and per capita income.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Plan's overall investment strategy is to achieve a mix of approximately <font class="_mt">97</font>% of investments for long-term growth and <font class="_mt">3</font>% for near-term benefit payments with a wide diversification of asset types, fund strategies, and fund managers. The target allocations for Plan assets are shown in the table below. Cash equivalents consist primarily of government issues (maturing in less than three months) and short term investment funds. Equity securities primarily include investments in common stock, depository receipts, preferred stock, commingled pension trust funds, exchange traded funds and real estate investment trusts. Fixed income securities include corporate bonds, government issues, credit card receivables, mortgage backed securities, municipals, commingled pension trust funds and other asset backed securities. Other investments are real estate interests and related investments held within a commingled pension trust fund.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Plan currently prohibits its investment managers from purchasing any security greater than <font class="_mt">5</font>% of the portfolio at the time of purchase or greater than <font class="_mt">8</font>% at market value in any one issuer. Effective June 2013, the issuer of any security purchased must be located in a country in the Morgan Stanley Capital International World Index. In addition, the following are prohibited:</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="23%"> </td>
<td width="76%"> </td></tr>
<tr valign="top"><td bgcolor="#c6d9f1" width="23%">

<p><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Equity securities</font></p></td>
<td bgcolor="#c6d9f1" width="76%">

<p><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Short sales</font></p>

<p><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Unregistered stocks</font></p>

<p><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Margin purchases</font></p></td></tr>
<tr valign="top"><td width="23%">

<p><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fixed income securities</font></p></td>
<td width="76%">

<p><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage backed derivatives that have an inverse floating rate coupon or that are interest only securities</font></p>

<p><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Any ABS that is not issued by the U.S. Government or its agencies or its instrumentalities</font></p>

<p><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Generally securities of less than Baa2/BBB quality may not be purchased</font></p>

<p><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Securities of less than A-quality may not in the aggregate exceed <font class="_mt">13</font>% of the investment manager's portfolio.</font></p>

<p><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">An investment manager's portfolio of commercial MBS and ABS shall not exceed <font class="_mt">10</font>% of the portfolio at the time of purchase.</font></p></td></tr>
<tr valign="top"><td bgcolor="#c6d9f1" width="23%">

<p><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other financial instruments</font></p></td>
<td bgcolor="#c6d9f1" width="76%">

<p><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Unhedged currency exposure in countries not defined as "high income economies" by the World Bank</font></p></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">All other investments not prohibited by the Plan are permitted. At December 31, 2015 and 2014, the Plan held certain investments which are no longer deemed acceptable to acquire. These positions will be liquidated when the investment managers deem that such liquidation is in the best interest of the Plan.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The target allocation range below is both historic and prospective in that it has not changed since prior to 2013. It is the asset allocation range that the investment managers have been advised to adhere to and within which they may make tactical asset allocation decisions.</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="32%"> </td>
<td width="20%"> </td>
<td width="2%"> </td>
<td width="12%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="12%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Weighted</font></b></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Average</font></b></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td align="left">&nbsp;</td>
<td colspan="3" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Percentage of Plan Assets</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Expected</font></b></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td style="text-indent: 2px;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Target</font></b></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="3" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">at December 31,</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Long-term</font></b></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Allocation</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Rate of Return</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Asset category:</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash equivalents</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">0</font></font>&#8211; <font class="_mt">20</font>%</font></font></td>
<td align="left"> </td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5.2</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8.7</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">0.16</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Equity securities</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">40</font></font>&#8211; <font class="_mt">60</font></font></font></td>
<td bgcolor="#c6d9f1" align="left"> </td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">47.2</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48.2</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.97</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fixed income securities</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">40</font></font>&#8211; <font class="_mt">60</font></font></font></td>
<td align="left"> </td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">43.9</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">43.1</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2.01</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other financial instruments</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">0</font></font>&#8211; <font class="_mt">5</font></font></font></td>
<td bgcolor="#c6d9f1" align="left"> </td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.7</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">0.28</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Assets are segregated by the level of the valuation inputs within the fair value hierarchy established by ASC Topic 820 utilized to measure fair value (see Note 18 - Fair Value Measurements).</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">In instances in which the inputs used to measure fair value fall into different levels of the fair value hierarchy, the fair value measurement has been determined based on the lowest level input that is significant to the fair value measurement in its entirety. Investments valued using the NAV (Net Asset Value) are classified as level 2 if the Plan can redeem its investment with the investee at the NAV at the measurement date. If the Plan can never redeem the investment with the investee at the NAV, it is considered a level 3. If the Plan can redeem the investment at the NAV at a future date, the Plan's assessment of the significance of a particular item to the fair value measurement in its entirety requires judgment, including the consideration of inputs specific to the asset.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Plan uses the Thomson Reuters Pricing Service to determine the fair value of equities excluding commingled pension trust funds, the pricing service of IDC Corporate USA to determine the fair value of fixed income securities excluding commingled pension trust funds and JP Morgan Chase Bank, N.A. ("JPMorgan") to determine the fair value of commingled pension trust funds.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The following is a table of the pricing methodology and unobservable inputs used by JPMorgan in pricing commingled pension trust funds ("CPTF"):</font></p>

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<table cellspacing="0" border="0">
<tr><td width="33%"> </td>
<td width="31%"> </td>
<td width="35%"> </td></tr>
<tr valign="bottom"><td colspan="3" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Principal Valuation</font></b></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Technique(s) Used</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Unobservable Inputs</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">CPTF - Fixed Income:</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">CPTF (Corporate High Yield) of</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Market</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">None</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">JPMorgan</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">CPTF (High Yield) of JPMorgan</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Market Comparables Companies</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">EBITDA multiple and discounts for lack</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">of marketability</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">CPTF (Extended Duration) of JPMorgan</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Market and Income</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Constant prepayment rate, Constant</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">default rate and Yield</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">CPTF (Long Duration Investment</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Market</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">None</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Grade) of JPMorgan</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">CPTF (Emerging Markets Currency</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Market</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">None</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Debt) of JPMorgan</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">CPTF (Emerging Markets - Fixed</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Market</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">None</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income) of JPMorgan</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr><td colspan="3">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">CPTF &#8211; Other:</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">CPTF (Strategic Property) of JPMorgan</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Market, Income, Debt Service and</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Credit Spreads, Discount Rate, Loan to</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Sales Comparison</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Value Ratio, Terminal Capitalization</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Rate and Value per Square Foot</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">When valuing Commingled Pension Trust Funds (Equity) JPMorgan uses a market methodology and does not rely on unobservable inputs in those valuations.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The following table sets forth a summary of the changes in the Plan's level 3 assets for the year ended December 31, 2015:</font></p>

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<table cellspacing="0" border="0">
<tr><td width="55%"> </td>
<td width="2%"> </td>
<td width="42%"> </td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 3 assets, beginning of year</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Purchases</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,334</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Unrealized gains</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">336</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 3 assets, end of year</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,670</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The major categories of Plan assets measured at fair value on a recurring basis as of December 31 are presented in the following tables (in thousands).</font></p>

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<table cellspacing="0" border="0">
<tr><td width="40%"> </td>
<td width="10%"> </td>
<td width="10%"> </td>
<td width="3%"> </td>
<td width="9%"> </td>
<td width="3%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="8%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Level 1</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Level 2</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Level 3</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Total</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Inputs</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Inputs</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Inputs</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fair Value</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash equivalents:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Foreign currencies</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">35</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">35</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Short term investment funds</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,745</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,745</font></td></tr>
<tr valign="bottom"><td style="text-indent: 7px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total cash equivalents</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">35</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,745</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,780</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Equity securities:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Common stock</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,083</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,083</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Depository receipts</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">336</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">336</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commingled pension trust funds</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,557</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,557</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Exchange traded funds</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,190</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,190</font></td></tr>
<tr valign="bottom"><td style="text-indent: 7px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total equity securities</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">23,609</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,557</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">34,166</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fixed income securities:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collateralized mortgage obligations</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">608</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">608</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commingled pension trust funds</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17,889</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17,889</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Corporate bonds</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,439</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,439</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">FHLMC</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">276</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">276</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">FNMA</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,966</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,966</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">GNMA II</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">384</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">384</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government issues</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,180</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,180</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total fixed income securities</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">31,742</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">31,742</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other investments:</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commingled pension trust funds &#8211; Realty</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,670</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,670</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total Plan investments</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">23,644</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">46,044</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,670</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">72,358</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">At December 31, 2015, the portfolio was managed by two investment firms, with control of the portfolio split approximately <font class="_mt">58</font>% and <font class="_mt">38</font>% under the control of the investment managers with the remaining <font class="_mt">4</font>% under the direct control of the Plan. A portfolio concentration in two of the commingled pension trust funds, an exchange traded fund and a short term investment fund of <font class="_mt">11</font>%, <font class="_mt">7</font>%, <font class="_mt">7</font>% and <font class="_mt">5</font>%, respectively, existed at December 31, 2015.</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="38%"> </td>
<td width="12%"> </td>
<td width="10%"> </td>
<td width="3%"> </td>
<td width="9%"> </td>
<td width="3%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="8%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Level 1</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Level 2</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Level 3</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Total</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Inputs</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Inputs</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Inputs</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fair Value</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash equivalents:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Foreign currencies</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">31</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">31</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government issues</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">249</font></td>
<td align="left">&nbsp;</td>
<td style="text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">249</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Short term investment funds</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,327</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,327</font></td></tr>
<tr valign="bottom"><td style="text-indent: 7px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total cash equivalents</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">31</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,576</font></td>
<td align="left">&nbsp;</td>
<td style="text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,607</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Equity securities:</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Common stock</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,732</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,732</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Depository receipts</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">185</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">185</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commingled pension trust funds</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,802</font></td>
<td align="left">&nbsp;</td>
<td style="text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,802</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Exchange traded funds</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,573</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,573</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Preferred stock</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">140</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">140</font></td></tr>
<tr valign="bottom"><td style="text-indent: 7px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total equity securities</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,630</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,802</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">36,432</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fixed income securities:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Auto loan receivable</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">330</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">330</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collateralized mortgage obligations</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">682</font></td>
<td align="left">&nbsp;</td>
<td style="text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">682</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commingled pension trust funds</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">21,083</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">21,083</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Corporate bonds</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,971</font></td>
<td align="left">&nbsp;</td>
<td style="text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,971</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">FHLMC</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">73</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">73</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">FNMA</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,951</font></td>
<td align="left">&nbsp;</td>
<td style="text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,951</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">GNMA II</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">123</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">123</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government issues</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,139</font></td>
<td align="left">&nbsp;</td>
<td style="text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,139</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other asset backed securities</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">160</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">160</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other securities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">33</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">33</font></td></tr>
<tr valign="bottom"><td style="text-indent: 7px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total fixed income securities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">32,545</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">32,545</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total Plan investments</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,661</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">49,923</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">75,584</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">At December 31, 2014, the portfolio was managed by two investment firms, with control of the portfolio split approximately <font class="_mt">57</font>% and <font class="_mt">39</font>% under the control of the investment managers with the remaining <font class="_mt">4</font>% under the direct control of the Plan. A portfolio concentration in two of the commingled pension trust funds and a short term investment fund of <font class="_mt">13</font>%, <font class="_mt">9</font>% and <font class="_mt">8</font>%, respectively, existed at December 31, 2014.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Postretirement Benefit Plan</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">An entity acquired by the Company provided health and dental care benefits to retired employees who met specified age and service requirements through a postretirement health and dental care plan in which both the acquired entity and the retirees shared the cost. The plan provided for substantially the same medical insurance coverage as for active employees until their death and was integrated with Medicare for those retirees aged 65 or older. In 2001, the plan's eligibility requirements were amended to curtail eligible benefit payments to only retired employees and active employees who had already met the then-applicable age and service requirements under the Plan. In 2003, retirees under age 65 began contributing to health coverage at the same cost-sharing level as that of active employees. Retirees ages 65 or older were offered new Medicare supplemental plans as alternatives to the plan historically offered. The cost sharing of medical coverage was standardized throughout the group of retirees aged 65 or older. In addition, to be consistent with the administration of the Company's dental plan for active employees, all retirees who continued dental coverage began paying the full monthly premium. The accrued liability included in other liabilities in the consolidated statements of financial condition related to this plan amounted to $<font class="_mt">107</font> thousand and $<font class="_mt">124</font> thousand as of December 31, 2015 and 2014, respectively. The postretirement expense for the plan that was included in salaries and employee benefits in the consolidated statements of income was not significant for the years ended December 31, 2015, 2014 and 2013. The plan is not funded.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The components of accumulated other comprehensive loss related to the defined benefit plan and postretirement benefit plan as of December 31 are summarized below (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="55%"> </td>
<td width="2%"> </td>
<td width="26%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="7%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Defined benefit plan:</font></b></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net actuarial loss</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(17,715</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(17,747</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Prior service cost</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(32</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(52</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(17,747</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(17,799</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Postretirement benefit plan:</font></b></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net actuarial loss</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(162</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(186</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Prior service credit</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">304</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">372</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">142</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">186</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(17,605</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(17,613</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Deferred tax benefit</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,974</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,977</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amounts included in accumulated other comprehensive loss</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(10,631</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(10,636</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Changes in plan assets and benefit obligations recognized in other comprehensive income on a pre-tax basis during the years ended December 31 are as follows (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="52%"> </td>
<td width="25%"> </td>
<td width="4%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="8%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" align="left"><b> </b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;<b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Defined benefit plan:</font></b></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net actuarial (loss) gain</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(894</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(9,669</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization of net loss</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">926</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">159</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization of prior service cost</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">52</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(9,490</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Postretirement benefit plan:</font></b></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net actuarial (loss) gain</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(40</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization of net loss</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization of prior service credit</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(68</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(68</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(44</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(91</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total recognized in other comprehensive income</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(9,581</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">For the year ending December 31, 2016, the estimated net loss and prior service credit for the plan that will be amortized from accumulated other comprehensive income into net periodic benefit cost is $<font class="_mt">955</font> thousand and $<font class="_mt">47</font> thousand, respectively.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Supplemental Executive Retirement Agreements</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company has non-qualified Supplemental Executive Retirement Agreements ("SERPs") covering one current and four former executives. The unfunded pension liability related to the SERPs was $<font class="_mt">2.3</font> million and $<font class="_mt">2.2</font> million at December 31, 2015 and 2014, respectively. SERP expense was $<font class="_mt">408</font> thousand, $<font class="_mt">295</font> thousand, and $<font class="_mt">95</font> thousand for 2015, 2014 and 2013, respectively.</font></p> </div><span></span>
</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><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;">us-gaap_DefinedBenefitPensionPlansAndDefinedBenefitPostretirementPlansDisclosureAbstract</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for pension and other postretirement benefits.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 80<br> -Section 50<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=35742057&amp;loc=SL14450702-114947<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e2410-114920<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 60<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6414203&amp;loc=d3e39675-114964<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 70<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6414718&amp;loc=d3e28014-114942<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 60<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6414199&amp;loc=d3e39622-114963<br></p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825035872">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair Value Measurements<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_FairValueDisclosuresAbstract', window );"><strong>Fair Value Measurements [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresTextBlock', window );">Fair Value Measurements</a></td>
<td class="text"><div> <p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(18.) FAIR VALUE MEASUREMENTS</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Determination of Fair Value &#8211; Assets Measured at Fair Value on a Recurring and Nonrecurring Basis Valuation Hierarchy</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The fair value of an asset or liability is the price that would be received to sell that asset or paid to transfer that liability in an orderly transaction occurring in the principal market (or most advantageous market in the absence of a principal market) for such asset or liability. ASC Topic 820, "Fair Value Measurements and Disclosures," establishes a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. The fair value hierarchy is as follows:</font></p>

<ul style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<li><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Level 1&nbsp;</font></b><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">- Unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to</font>&nbsp;<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">access at the measurement date.</font>
</li>
<li><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Level 2&nbsp;</font></b><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">- Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or</font>&nbsp;<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">indirectly. These might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or</font>&nbsp;<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or</font>&nbsp;<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">liability (such as interest rates, volatilities, prepayment speeds, credit risks, etc.) or inputs that are derived principally from or</font>&nbsp;<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">corroborated by market data by correlation or other means.</font>
</li>
<li><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Level 3&nbsp;</font></b><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">- Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity's own assumptions</font>&nbsp;<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">about the assumptions that market participants would use in pricing the assets or liabilities.</font></li></ul>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">In general, fair value is based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon internally developed models that primarily use, as inputs, observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. These adjustments may include amounts to reflect counterparty credit quality and the company's creditworthiness, among other things, as well as unobservable parameters. Any such valuation adjustments are applied consistently over time. The Company's valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes the Company's valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. Furthermore, the reported fair value amounts have not been comprehensively revalued since the presentation dates, and therefore, estimates of fair value after the balance sheet date may differ significantly from the amounts presented herein. A more detailed description of the valuation methodologies used for assets and liabilities measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Securities available for sale: </font></b><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Securities classified as available for sale are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond's terms and conditions, among other things.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Loans held for sale: </font></b><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The fair value of loans held for sale is determined using quoted secondary market prices and investor commitments. Loans held for sale are classified as Level 2 in the fair value hierarchy.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Collateral dependent impaired loans: </font></b><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fair value of impaired loans with specific allocations of the allowance for loan losses is measured based on the value of the collateral securing these loans and is classified as Level 3 in the fair value hierarchy. Collateral may be real estate and/or business assets including equipment, inventory and/or accounts receivable and collateral value is determined based on appraisals performed by qualified licensed appraisers hired by the Company. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Appraised and reported values may be discounted based on management's historical knowledge, changes in market conditions from the time of valuation, and/or management's expertise and knowledge of the client and the client's business. Such discounts are typically significant and result in a Level 3 classification of the inputs for determining fair value. Impaired loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on the same factors identified above.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Loan servicing rights: </font></b><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loan servicing rights do not trade in an active market with readily observable market data. As a result, the Company estimates the fair value of loan servicing rights by using a discounted cash flow model to calculate the present value of estimated future net servicing income. The assumptions used in the discounted cash flow model are those that we believe market participants would use in estimating future net servicing income, including estimates of loan prepayment rates, servicing costs, ancillary income, impound account balances, and discount rates. The significant unobservable inputs used in the fair value measurement of the Company's loan servicing rights are the constant prepayment rates and weighted average discount rate. Significant increases (decreases) in any of those inputs in isolation could result in a significantly lower (higher) fair value measurement. Although the constant prepayment rate and the discount rate are not directly interrelated, they will generally move in opposite directions. Loan servicing rights are classified as Level 3 measurements due to the use of significant unobservable inputs, as well as significant management judgment and estimation.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Other real estate owned (Foreclosed assets): </font></b><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Nonrecurring adjustments to certain commercial and residential real estate properties classified as other real estate owned are measured at the lower of carrying amount or fair value, less costs to sell. Fair values are generally based on third party appraisals of the property, resulting in a Level 3 classification. The appraisals are sometimes further discounted based on management's historical knowledge, changes in market conditions from the time of valuation, and/or management's expertise and knowledge of the client and client's business. Such discounts are typically significant and result in a Level 3 classification of the inputs for determining fair value. In cases where the carrying amount exceeds the fair value, less costs to sell, an impairment loss is recognized.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Commitments to extend credit and letters of credit: </font></b><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commitments to extend credit and fund letters of credit are principally at current interest rates, and, therefore, the carrying amount approximates fair value. The fair value of commitments is not material.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Assets Measured at Fair Value </font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The following table presents for each of the fair-value hierarchy levels the Company's assets that are measured at fair value on a recurring and non-recurring basis as of December 31 (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="58%"> </td>
<td width="2%"> </td>
<td width="12%"> </td>
<td width="6%"> </td>
<td width="7%"> </td>
<td width="3%"> </td>
<td width="1%"> </td>
<td width="2%"> </td>
<td width="8%"> </td></tr>
<tr valign="bottom"><td width="58%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="12%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Quoted Prices</font></b></td>
<td width="6%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="3%" align="right">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="58%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="12%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">in Active</font></b></td>
<td width="6%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="3%" align="right">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="58%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="12%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Markets for</font></b></td>
<td width="6%" align="left">&nbsp;</td>
<td width="7%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Significant</font></b></td>
<td width="3%" align="right">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="58%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="12%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Identical</font></b></td>
<td width="6%" align="left">&nbsp;</td>
<td width="7%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Other</font></b></td>
<td width="3%" align="right">&nbsp;</td>
<td width="1%" align="left">&nbsp;<b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Significant</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="58%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="12%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Assets or</font></b></td>
<td width="6%" align="left">&nbsp;</td>
<td width="7%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Observable</font></b></td>
<td width="3%" align="right">&nbsp;</td>
<td width="1%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Unobservable</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="58%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="12%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Liabilities</font></b></td>
<td width="6%" align="left">&nbsp;</td>
<td width="7%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Inputs</font></b></td>
<td width="3%" align="right">&nbsp;</td>
<td width="1%" align="left">&nbsp;<b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Inputs</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" width="58%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(Level 1)</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(Level 2)</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="left">&nbsp;<b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(Level 3)</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Total</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="58%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Measured on a recurring basis:</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Securities available for sale:</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">U.S. Government agencies and government sponsored enterprises</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">260,863</font></td>
<td width="3%" align="right">&nbsp;<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">260,863</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage-backed securities</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">283,314</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">283,314</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Asset-backed securities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">218</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">218</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="58%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">544,395</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">544,395</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Measured on a nonrecurring basis:</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans:</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans held for sale</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,430</font></td>
<td width="3%" align="right">&nbsp;<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,430</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collateral dependent impaired loans</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,485</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,485</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other assets:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loan servicing rights</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,241</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,241</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other real estate owned</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">163</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">163</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="58%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,430</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,889</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,319</font></td></tr>
<tr><td bgcolor="#c6d9f1" width="99%" colspan="9">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="58%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Measured on a recurring basis:</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Securities available for sale:</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">U.S. Government agencies and government sponsored enterprises</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">160,475</font></td>
<td width="3%" align="right">&nbsp;<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">160,475</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage-backed securities</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">461,788</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">461,788</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Asset-backed securities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">231</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">231</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="58%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">622,494</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">622,494</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Measured on a nonrecurring basis:</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans:</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans held for sale</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td width="6%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">755</font></td>
<td width="3%" align="right">&nbsp;<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">755</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collateral dependent impaired loans</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,652</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,652</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other assets:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loan servicing rights</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,359</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,359</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other real estate owned</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">194</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">194</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="58%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="6%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">755</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,205</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,960</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">There were no transfers between Levels 1 and 2 during the years ended December 31, 2015 and 2014. There were no liabilities measured at fair value on a recurring or nonrecurring basis during the years ended December 31, 2015 and 2014.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The following table presents additional quantitative information about assets measured at fair value on a recurring and nonrecurring basis for which the Company has utilized Level 3 inputs to determine fair value (dollars in thousands).</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="27%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="20%"> </td>
<td width="24%"> </td>
<td width="18%"> </td></tr>
<tr valign="bottom"><td width="27%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fair</font></b></td>
<td width="20%" align="left">&nbsp;</td>
<td width="24%" align="left">&nbsp;</td>
<td width="18%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Unobservable Input</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="27%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Asset</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Value</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="20%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Valuation Technique</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 7px;" width="24%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Unobservable Input</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="18%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Value or Range</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="27%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collateral dependent impaired loans</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,485</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="20%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Appraisal of collateral&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1)</font></sup></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="24%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Appraisal adjustments&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2)</font></sup></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="18%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">0</font></font>% - <font class="_mt">100</font>% discount</font></td></tr>
<tr><td bgcolor="#c6d9f1" width="99%" colspan="6">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="27%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loan servicing rights</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,241</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="20%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Discounted cash flow</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="24%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Discount rate</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="18%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5.0</font></font>%&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3)</font></sup></font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="27%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="20%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="24%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Constant prepayment rate</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="18%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12.4</font></font>%&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3)</font></sup></font></td></tr>
<tr><td bgcolor="#c6d9f1" width="99%" colspan="6">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="27%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other real estate owned</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="8%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">163</font></td>
<td bgcolor="#c6d9f1" width="20%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Appraisal of collateral&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1)</font></sup></td>
<td bgcolor="#c6d9f1" width="24%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Appraisal adjustments&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2)</font></sup></td>
<td bgcolor="#c6d9f1" width="18%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9</font></font>% - <font class="_mt">58</font>% discount</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1) </font></sup><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are not identifiable.</font></font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2) </font></sup><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.</font></font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3) </font></sup><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Weighted averages.</font></font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Changes in Level 3 Fair Value Measurements</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">There were no assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) as of or during the years ended December 31, 2015 and 2014.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Disclosures about Fair Value of Financial Instruments</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The assumptions used below are expected to approximate those that market participants would use in valuing these financial instruments.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fair value estimates are made at a specific point in time, based on available market information and judgments about the financial instrument, including estimates of timing, amount of expected future cash flows and the credit standing of the issuer. Such estimates do not consider the tax impact of the realization of unrealized gains or losses. In some cases, the fair value estimates cannot be substantiated by comparison to independent markets. In addition, the disclosed fair value may not be realized in the immediate settlement of the financial instrument. Care should be exercised in deriving conclusions about our business, its value or financial position based on the fair value information of financial instruments presented below.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The estimated fair value approximates carrying value for cash and cash equivalents, FHLB and FRB stock, accrued interest receivable, non-maturity deposits, short-term borrowings and accrued interest payable. Fair value estimates for other financial instruments not included elsewhere in this disclosure are discussed below.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Securities held to maturity: </font></b><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The fair value of the Company's investment securities held to maturity is primarily measured using information from a third-party pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond's terms and conditions, among other things.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Loans: </font></b><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The fair value of the Company's loans was estimated by discounting the expected future cash flows using the current interest rates at which similar loans would be made for the same remaining maturities. Loans were first segregated by type such as commercial, residential mortgage, and consumer, and were then further segmented into fixed and variable rate and loan quality categories. Expected future cash flows were projected based on contractual cash flows, adjusted for estimated prepayments.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Time deposits: </font></b><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The fair value of time deposits was estimated using a discounted cash flow approach that applies prevailing market interest rates for similar maturity instruments. The fair values of the Company's time deposit liabilities do not take into consideration the value of the Company's long-term relationships with depositors, which may have significant value.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Long-term borrowings: </font></b><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Long-term borrowings consist of $<font class="_mt">40</font> million of subordinated notes issued during the second quarter of 2015. The subordinated notes are publicly traded and are valued based on market prices, which are characterized as Level 2 liabilities in the fair value hierarchy.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The following presents the carrying amount, estimated fair value, and placement in the fair value measurement hierarchy of the Company's financial instruments as of December 31(in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="28%"> </td>
<td width="20%"> </td>
<td width="2%"> </td>
<td width="12%"> </td>
<td width="1%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="11%"> </td>
<td width="1%"> </td>
<td width="8%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td style="text-indent: 3px;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Level in</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="3" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fair Value</font></b></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Estimated</font></b></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Estimated</font></b></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Measurement</font></b></td>
<td align="right">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Carrying</font></b></td>
<td align="left">&nbsp;</td>
<td style="text-indent: 3px;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fair</font></b></td>
<td align="right">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Carrying</font></b></td>
<td align="left">&nbsp;</td>
<td style="text-indent: 3px;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fair</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Hierarchy</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Value</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Value</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Financial assets:</font></b></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash and cash equivalents</font></td>
<td align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 1</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">60,121</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">60,121</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">58,151</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">58,151</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Securities available for sale</font></td>
<td bgcolor="#c6d9f1" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 2</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">544,395</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">544,395</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">622,494</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">622,494</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Securities held to maturity</font></td>
<td align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 2</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">485,717</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">490,064</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">294,438</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">298,695</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans held for sale</font></td>
<td bgcolor="#c6d9f1" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 2</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,430</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,430</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">755</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">755</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans</font></td>
<td align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 2</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,055,192</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,046,235</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,881,713</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,887,959</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1)</font></sup></td>
<td bgcolor="#c6d9f1" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 3</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,485</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,485</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,652</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,652</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Accrued interest receivable</font></td>
<td align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 1</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,609</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,609</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,104</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,104</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">FHLB and FRB stock</font></td>
<td bgcolor="#c6d9f1" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 2</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19,991</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19,991</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19,014</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19,014</font></td></tr>
<tr><td colspan="10">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Financial liabilities:</font></b></td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Non-maturity deposits</font></td>
<td bgcolor="#c6d9f1" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 1</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,093,513</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,093,513</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,857,285</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,857,285</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Time deposits</font></td>
<td align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 2</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">637,018</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">636,159</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">593,242</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">593,793</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Short-term borrowings</font></td>
<td bgcolor="#c6d9f1" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 1</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">293,100</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">293,100</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">334,804</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">334,804</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Long-term borrowings</font></td>
<td align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 2</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">38,990</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">40,313</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Accrued interest payable</font></td>
<td bgcolor="#c6d9f1" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 1</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,676</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,676</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,862</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,862</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1) </font></sup><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Comprised of collateral dependent impaired loans.</font></font></p> </div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueDisclosuresAbstract">
<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 );">- References</a><div><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;">us-gaap_FairValueDisclosuresAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_FairValueDisclosuresTextBlock">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=36462937&amp;loc=d3e19207-110258<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -URI http://asc.fasb.org/extlink&amp;oid=6957238&amp;loc=d3e14172-108612<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=6957238&amp;loc=d3e14064-108612<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 21<br> -URI http://asc.fasb.org/extlink&amp;oid=35750535&amp;loc=d3e13537-108611<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 16<br> -URI http://asc.fasb.org/extlink&amp;oid=35750535&amp;loc=d3e13504-108611<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=35750535&amp;loc=d3e13433-108611<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">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825099280">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Parent Company Financial Information<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract', window );"><strong>Parent Company Financial Information [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_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock', window );">Parent Company Financial Information</a></td>
<td class="text"><div> <p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(19.) PARENT COMPANY FINANCIAL INFORMATION</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Condensed financial statements pertaining only to the Parent are presented below (in thousands).</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="58%"> </td>
<td width="2%"> </td>
<td width="28%"> </td>
<td width="2%"> </td>
<td width="7%"> </td></tr>
<tr valign="bottom"><td align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Condensed Statements of Condition</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="3" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">December 31,</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Assets:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash and due from subsidiary</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">15,787</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,559</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Investment in and receivables due from subsidiary</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">318,928</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">273,237</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other assets</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,451</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,433</font></td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total assets</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">339,166</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">286,229</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Liabilities and shareholders' equity:</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Long-term borrowings, net of issuance costs of $<font class="_mt">1,010</font></font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">38,990</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other liabilities</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,332</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,697</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Shareholders' equity</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">293,844</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">279,532</font></td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total liabilities and shareholders' equity</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">339,166</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">286,229</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="54%"> </td>
<td width="2%"> </td>
<td width="19%"> </td>
<td width="2%"> </td>
<td width="11%"> </td>
<td width="4%"> </td>
<td width="4%"> </td></tr>
<tr valign="bottom"><td align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Condensed Statements of Income</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="4" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Years ended December 31,</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" colspan="2" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Dividends from subsidiary and associated companies</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">16,000</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20,920</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">15,000</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Management and service fees from subsidiary</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">599</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">417</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">368</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other income</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,175</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">74</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">71</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total income</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17,774</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">21,411</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">15,439</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Interest expense</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,750</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Operating expenses</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,509</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,437</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,906</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total expense</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,259</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,437</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,906</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income before income tax benefit and equity in undistributed</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">earnings of subsidiary</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,515</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17,974</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,533</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income tax benefit</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,814</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,120</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,020</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income before equity in undistributed earnings of subsidiary</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,329</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19,094</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,553</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Equity in undistributed earnings of subsidiary</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,008</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,261</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11,977</font></td></tr>
<tr valign="bottom"><td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net income</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">28,337</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">29,355</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,530</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="48%"> </td>
<td width="2%"> </td>
<td width="18%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Condensed Statements of Cash Flows</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="7" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Years ended December 31,</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash flows from operating activities:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net income</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">28,337</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">29,355</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,530</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Adjustments to reconcile net income to net cash provided</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">by operating activities:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Equity in undistributed earnings of subsidiary</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(14,008</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(10,261</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(11,977</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Depreciation and amortization</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">97</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">47</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Share-based compensation</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">674</font></td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">471</font></td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">407</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(Increase) decrease in other assets</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,069</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,661</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">166</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 6px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Decrease in other liabilities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(258</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(5,717</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(17</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net cash provided by operating activities</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,773</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19,557</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,156</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash flows from investing activities:</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Capital investment in Five Star Bank</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(34,000</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net cash paid for acquisition</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(7,995</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net cash used in investing activities</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(34,000</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(7,995</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash flows from financing activities:</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Issuance of long-term debt, net of issuance costs</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">38,940</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Purchase of preferred and common shares</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(202</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(196</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(360</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Proceeds from stock options exercised</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">359</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">667</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">448</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Dividends paid</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(12,721</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(11,984</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(11,218</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">79</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(118</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net cash provided by (used in) financing activities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">26,455</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(11,513</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(11,248</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net increase&nbsp;in cash and cash equivalents</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,228</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">49</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,908</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash and cash equivalents as of beginning of year</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,559</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,510</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,602</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash and cash equivalents as of end of the year</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">15,787</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,559</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,510</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr></table></div>

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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for condensed financial information, including the financial position, cash flows, and the results of operations of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=d3e5283-111683<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e24072-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph c<br> -Article 5<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 06<br> -Article 9<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Article 12<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 05<br> -Paragraph c<br> -Article 7<br></p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6804507744">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Segment Reporting<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_SegmentReportingAbstract', window );"><strong>Segment Reporting [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_us-gaap_SegmentReportingDisclosureTextBlock', window );">Segment Reporting</a></td>
<td class="text"><div> <p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(20.) SEGMENT REPORTING</font></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company has&nbsp;<font class="_mt">two</font> reportable operating segments, banking and insurance, which are delineated by the consolidated subsidiaries of Financial Institutions, Inc. The banking segment includes all of the Company's retail and commercial banking operations. The insurance segment includes the activities of SDN, a full service insurance agency that provides a broad range of insurance services to both personal and business clients. The Company operated as one business segment until the acquisition of SDN on August 1, 2014, at which time the new "Insurance" segment was created for financial reporting purposes. Holding company amounts are the primary differences between segment amounts and consolidated totals, and are reflected in the Holding Company and Other column below, along with amounts to eliminate balances and transactions between segments.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The following tables present information regarding the Company's business segments as of and for the periods indicated (in thousands).</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="33%"> </td>
<td width="2%"> </td>
<td width="27%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="12%"> </td></tr>
<tr valign="bottom"><td width="33%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="27%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="10%" align="center"><b> </b></td>
<td width="2%" align="left">&nbsp;<b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Holding</font></b></td>
<td width="2%" align="right">&nbsp;</td>
<td width="12%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="33%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="27%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="10%" align="right"><b> </b></td>
<td width="2%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Company and</font></b>&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="12%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Consolidated</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" width="33%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="27%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Banking</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Insurance</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="center"><b> </b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;<b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Other</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Totals</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="33%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">December 31, 2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="27%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="33%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Goodwill</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="27%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48,536</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11,866</font></td>
<td width="10%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">60,402</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="33%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other intangible assets, net</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="27%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">829</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,715</font></td>
<td bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,544</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="33%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total assets</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="27%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,356,987</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20,315</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"> </td>
<td width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,722</font>&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,381,024</font></td></tr>
<tr><td width="100%" colspan="9">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" width="33%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">December 31, 2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="27%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="33%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Goodwill</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="27%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48,536</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,617</font></td>
<td bgcolor="#c6d9f1" width="10%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">61,153</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="33%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other intangible assets, net</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="27%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,125</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,361</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,486</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="33%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total assets</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="27%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,065,109</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20,368</font></td>
<td bgcolor="#c6d9f1" width="10%" align="right"> </td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,044</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,089,521</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<div>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="33%"> </td>
<td width="12%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="1%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Holding</font></b></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Company and</font></b></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Consolidated</font></b></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Banking</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Insurance</font></b><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1)</font></sup></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Other</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Totals</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Year ended December 31, 2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net interest income (expense)</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">97,063</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,750</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">95,313</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Provision for loan losses</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(7,381</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(7,381</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Noninterest income</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">24,734</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,969</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">634</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">30,337</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Noninterest expense&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2)</font></sup></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(71,599</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(5,426</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,368</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(79,393</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income (loss) before income taxes</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">42,817</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(457</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3,484</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">38,876</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income tax (expense) benefit</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(12,230</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(121</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,812</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(10,539</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net income (loss)</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">30,587</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(578</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,672</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">28,337</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr><td colspan="13">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Year ended December 31, 2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net interest income</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">93,774</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">93,774</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Provision for loan losses</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(7,789</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(7,789</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Noninterest income</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">23,602</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,073</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(325</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,350</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Noninterest expense</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(67,857</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,877</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,621</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(72,355</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income (loss) before income taxes</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">41,730</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">196</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,946</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">38,980</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income tax (expense) benefit</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(10,735</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(9</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,119</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(9,625</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr><td colspan="13">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net income (loss)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">30,995</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">187</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,827</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">29,355</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1) </font></sup><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Reflects activity from SDN since August 1, 2014, the date of acquisition.</font></font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2) </font></sup><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Insurance segment includes goodwill impairment of $<font class="_mt">751</font> thousand</font></font></p></div> </div><span></span>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SegmentReportingAbstract">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><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">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SegmentReportingAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 34<br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8981-108599<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 41<br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e9038-108599<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 33<br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8971-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8595-108599<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8380-108599<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8933-108599<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 26<br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8844-108599<br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 35<br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8984-108599<br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 40<br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e9031-108599<br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 42<br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e9054-108599<br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8538-108599<br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 29<br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8864-108599<br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 31<br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8924-108599<br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8906-108599<br></p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6826213520">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary Of Significant Accounting Policies (Policy)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_AccountingPoliciesAbstract', window );"><strong>Summary Of Significant Accounting Policies [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_us-gaap_ConsolidationPolicyTextBlock', window );">Principles Of Consolidation</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(a.) Principles of Consolidation</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The consolidated financial statements include the accounts of the Company and its subsidiaries. All significant intercompany accounts and transactions have been eliminated in consolidation.</font></p></div> </div><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_us-gaap_UseOfEstimates', window );">Use Of Estimates</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(b.) Use of Estimates</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">In preparing the consolidated financial statements in conformity with GAAP, management is required to make estimates and assumptions that affect the reported amount of assets and liabilities as of the date of the statement of financial condition and reported amounts of revenue and expenses during the reporting period. Material estimates relate to the determination of the allowance for loan losses, the carrying value of goodwill and deferred tax assets, and assumptions used in the defined benefit pension plan accounting. These estimates and assumptions are based on management's best estimates and judgment and are evaluated on an ongoing basis using historical experience and other factors, including the current economic environment. The Company adjusts these estimates and assumptions when facts and circumstances dictate. As future events cannot be determined with precision, actual results could differ significantly from the Company's estimates.</font></p></div> </div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_CashFlowReportingPolicyTextBlock', window );">Cash Flow Reporting</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(c.) Cash Flow Reporting</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash and cash equivalents include cash and due from banks, federal funds sold and interest-bearing deposits in other banks. Net cash flows are reported for loans, deposit transactions and short-term borrowings.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Supplemental cash flow information is summarized as follows for the years ended December 31 (in thousands):</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left">

<table cellspacing="0" border="0">
<tr><td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td></tr>
<tr><td width="51%"> </td>
<td style="width: 15%; border-bottom: rgb(0,0,0) 1px solid;" width="15%" colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td width="2%"> </td>
<td style="width: 15%; border-bottom: rgb(0,0,0) 1px solid;" width="14%" colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td width="2%">&nbsp;</td>
<td style="width: 15%; border-bottom: rgb(0,0,0) 1px solid;" width="14%" colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash payments:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Interest expense</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,323</font></td>
<td align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,826</font></td>
<td align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,750</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income taxes</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,494</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,665</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,095</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Noncash investing and financing activities:</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Real estate and other assets acquired in settlement of loans</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">374</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">394</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">726</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Accrued and declared unpaid dividends</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,185</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,177</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,981</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(Decrease) increase in net unsettled security purchases</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(478</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">568</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(51,112</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Securities transferred from available for sale to held to maturity</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">165,238</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,802</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">227,330</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans transferred from held for sale to held for investment</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">853</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,727</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Common stock issued for acquisition</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,400</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Assets acquired and liabilities assumed in business combinations:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans and other non-cash assets, excluding goodwill and core</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">deposit intangible asset</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,007</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Deposits and other liabilities</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,112</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr></table></div></div> </div><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_us-gaap_MarketableSecuritiesTradingSecuritiesPolicy', window );">Investment Securities</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(d.) Investment Securities</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Investment securities are classified as either available for sale or held to maturity. Debt securities that management has the positive intent and ability to hold to maturity are classified as held to maturity and are recorded at amortized cost. Other investment securities are classified as available for sale and recorded at fair value, with unrealized gains and losses excluded from earnings and reported as a component of comprehensive income and shareholders' equity.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Securities are evaluated periodically to determine whether a decline in their fair value is other than temporary. Management utilizes criteria such as, the current intent to hold or sell the security, the magnitude and duration of the decline and, when appropriate, consideration of negative changes in expected cash flows, creditworthiness, near term prospects of issuers, the level of credit subordination, estimated loss severity, and delinquencies, to determine whether a loss in value is other than temporary. The term "other than temporary" is not intended to indicate that the decline is permanent, but indicates that the prospect for a near-term recovery of value is not necessarily favorable. Declines in the fair value of investment securities below their cost that are deemed to be other than temporary are reflected in earnings as realized losses to the extent the impairment is related to credit issues or concerns, or the security is intended to be sold. The amount of impairment related to non-credit related factors is recognized in other comprehensive income. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method.</font></p></div> </div><span></span>
</td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_LoansHeldForSaleAndLoanServicingRightsPolicyPolicyTextBlock', window );">Loans Held For Sale And Loan Servicing Rights</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(e.) Loans Held for Sale and Loan Servicing Rights</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company generally makes the determination of whether to identify a mortgage as held for sale at the time the loan is closed based on the Company's intent and ability to hold the loan. Loans held for sale are recorded at the lower of cost or market computed on the aggregate portfolio basis. The amount, by which cost exceeds market value, if any, is accounted for as a valuation allowance with changes included in the determination of results of operations for the period in which the change occurs. The amount of loan origination costs and fees are deferred at origination and recognized as part of the gain or loss on sale of the loans, determined using the specific identification method, in the consolidated statements of income.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company originates and sells certain residential real estate loans in the secondary market. The Company typically retains the right to service the mortgages upon sale. Mortgage-servicing rights ("MSRs") represent the cost of acquiring the contractual rights to service loans for others. MSRs are recorded at their fair value at the time a loan is sold and servicing rights are retained. MSRs are reported in other assets in the consolidated statements of financial position and are amortized to noninterest income in the consolidated statements of income in proportion to and over the period of estimated net servicing income. The Company uses a valuation model that calculates the present value of future cash flows to determine the fair value of servicing rights. In using this valuation method, the Company incorporates assumptions to estimate future net servicing income, which include estimates of the cost to service the loan, the discount rate, an inflation rate and prepayment speeds. On a quarterly basis, the Company evaluates its MSRs for impairment and charges any such impairment to current period earnings. In order to evaluate its MSRs the Company stratifies the related mortgage loans on the basis of their predominant risk characteristics, such as interest rates, year of origination and term, using discounted cash flows and market-based assumptions. Impairment of MSRs is recognized through a valuation allowance, determined by estimating the fair value of each stratum and comparing it to its carrying value. Subsequent increases in fair value are adjusted through the valuation allowance, but only to the extent of the valuation allowance.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage loan servicing includes collecting monthly mortgagor payments, forwarding payments and related accounting reports to investors, collecting escrow deposits for the payment of mortgagor property taxes and insurance, paying taxes and insurance from escrow funds when due and administrating foreclosure actions when necessary. Loan servicing income (a component of noninterest income in the consolidated statements of income) consists of fees earned for servicing mortgage loans sold to third parties, net of amortization expense and impairment losses associated with capitalized mortgage servicing assets</font></p></div> </div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy', window );">Loans</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(f.) Loans</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans are classified as held for investment when management has both the intent and ability to hold the loan for the foreseeable future, or until maturity or payoff. Loans are carried at the principal amount outstanding, net of any unearned income and unamortized deferred fees and costs on originated loans. Loan origination fees and certain direct loan origination costs are deferred, and the net amount is amortized into net interest income over the contractual life of the related loans or over the commitment period as an adjustment of yield. Interest income on loans is based on the principal balance outstanding computed using the effective interest method.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">A loan is considered delinquent when a payment has not been received in accordance with the contractual terms. The accrual of interest income for commercial loans is discontinued when there is a clear indication that the borrower's cash flow may not be sufficient to meet payments as they become due, while the accrual of interest income for retail loans is discontinued when loans reach specific delinquency levels. Loans are generally placed on nonaccrual status when contractually past due&nbsp;<font class="_mt">90</font> days or more as to interest or principal payments, unless the loan is well secured and in the process of collection. Additionally, if management becomes aware of facts or circumstances that may adversely impact the collectability of principal or interest on loans, it is management's practice to place such loans on a nonaccrual status immediately, rather than delaying such action until the loans become 90 days past due. When a loan is placed on nonaccrual status, previously accrued and uncollected interest is reversed, amortization of related deferred loan fees or costs is suspended, and income is recorded only to the extent that interest payments are subsequently received in cash and a determination has been made that the principal balance of the loan is collectible. If collectability of the principal is in doubt, payments received are applied to loan principal. A nonaccrual loan may be returned to accrual status when all delinquent principal and interest payments become current in accordance with the terms of the loan agreement, the borrower has demonstrated a period of sustained performance (generally a minimum of&nbsp;<font class="_mt">six</font> months) and the ultimate collectability of the total contractual principal and interest is no longer in doubt.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company's loan policy dictates the guidelines to be followed in determining when a loan is charged-off. All charge offs are approved by the Bank's senior loan officers or loan committees, depending on the amount of the charge off, and are reported in aggregate to the Bank's Board of Directors. Commercial business and commercial mortgage loans are charged-off when a determination is made that the financial condition of the borrower indicates that the loan will not be collectible in the ordinary course of business. Residential mortgage loans and home equities are generally charged-off or written down when the credit becomes severely delinquent and the balance exceeds the fair value of the property less costs to sell. Indirect and other consumer loans, both secured and unsecured, are generally charged-off in full during the month in which the loan becomes&nbsp;<font class="_mt">120</font> days past due, unless the collateral is in the process of repossession in accordance with the Company's policy.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">A loan is accounted for as a troubled debt restructuring if the Company, for economic or legal reasons related to the borrower's financial condition, grants a significant concession to the borrower that it would not otherwise consider. A troubled debt restructuring may involve the receipt of assets from the debtor in partial or full satisfaction of the loan, or a modification of terms such as a reduction of the stated interest rate or face amount of the loan, a reduction of accrued interest, an extension of the maturity date at a stated interest rate lower than the current market rate for a new loan with similar risk, or some combination of these concessions. Troubled debt restructurings generally remain on nonaccrual status until there is a sustained period of payment performance (usually six months or longer) and there is a reasonable assurance that the payments will continue. See Allowance for Loan Losses below for further policy discussion and see Note 5 &#8211; Loans for additional information.</font></p></div> </div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock', window );">Off-Balance Sheet Financial Instruments</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(g.) Off-Balance Sheet Financial Instruments</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">In the ordinary course of business, the Company enters into off-balance sheet financial instruments consisting of commitments to extend credit, standby letters of credit and financial guarantees. Such financial instruments are recorded in the consolidated financial statements when they are funded or when related fees are incurred or received. The Company periodically evaluates the credit risks inherent in these commitments and establishes loss allowances for such risks if and when these are deemed necessary.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company recognizes as liabilities the fair value of the obligations undertaken in issuing the guarantees under the standby letters of credit, net of the related amortization at inception. The fair value approximates the unamortized fees received from the customers for issuing the standby letters of credit. The fees are deferred and recognized on a straight-line basis over the commitment period. Standby letters of credit outstanding at December 31, 2015 had original terms ranging from&nbsp;<font class="_mt">one</font> to&nbsp;<font class="_mt">five</font> years.Fees received for providing loan commitments and letters of credit that result in loans are typically deferred and amortized to interest income over the life of the related loan, beginning with the initial borrowing. Fees on commitments and letters of credit are amortized to other income as banking fees and commissions over the commitment period when funding is not expected.</font></p></div> </div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy', window );">Allowance For Loan Losses</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(h.) Allowance for Loan Losses</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The allowance for loan losses is established through charges to earnings in the form of a provision for loan losses. When a loan or portion of a loan is determined to be uncollectible, the portion deemed uncollectible is charged against the allowance and subsequent recoveries, if any, are credited to the allowance.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The allowance for loan losses is evaluated on a regular basis and is based upon periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower's ability to repay, estimated value of any underlying collateral, and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The allowance consists of specific and general components. Specific allowances are established for impaired loans. Impaired commercial business and commercial mortgage loans are individually evaluated and measured for impairment based on the present value of expected future cash flows discounted at the loan's effective interest rate, a loan's observable market price, or the fair value of the collateral if the loan is collateral dependent. Regardless of the measurement method, impairment is based on the fair value of the collateral when foreclosure is probable. If the recorded investment in impaired loans exceeds the measure of estimated fair value, a specific allowance is established as a component of the allowance for loan losses. Interest payments on impaired loans are typically applied to principal unless collectability of the principal amount is reasonably assured, in which case interest is recognized on a cash basis. Impaired loans, or portions thereof, are charged-off when deemed uncollectible.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered in determining impairment include payment status and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. The Company determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis by either the present value of expected future cash flows discounted at the loan's effective interest rate, the loans obtainable market price, or the fair value of the collateral if the loan is collateral dependent. Large groups of homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and residential loans for impairment disclosures unless the loan has been subject to a troubled debt restructure. At December 31, 2015, there were&nbsp;<font class="_mt">no</font> commitments to lend additional funds to those borrowers whose loans were classified as impaired.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">General allowances are established for loan losses on a portfolio basis for loans that do not meet the definition of impaired. The portfolio is grouped into similar risk characteristics, primarily loan type. The Company applies an estimated loss rate, which considers both look-back and loss emergence periods, to each loan group. The loss rate is based on historical experience, with look-back periods that range from&nbsp;<font class="_mt">24</font> to&nbsp;<font class="_mt">48</font> months depending on the loan type, and as a result can differ from actual losses incurred in the future. The historical loss rate is adjusted by the loss emergence periods that range from&nbsp;<font class="_mt">12</font> to&nbsp;<font class="_mt">24</font> months depending on the loan type and for qualitative factors such as; levels and trends of delinquent and non-accruing loans, trends in volume and terms, effects of changes in lending policy, the experience, ability and depth of management, national and local economic trends and conditions, concentrations of credit risk, interest rates, highly leveraged borrowers, information risk and collateral risk. The qualitative factors are reviewed at least quarterly and adjustments are made as needed.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">While management evaluates currently available information in establishing the allowance for loan losses, future adjustments to the allowance may be necessary if conditions differ substantially from the assumptions used in making the evaluations. In addition, various regulatory agencies, as an integral part of their examination process, periodically review a financial institution's allowance for loan losses. Such agencies may require the financial institution to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.</font></p></div> </div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_OtherRealEstateOwnedPolicyPolicyTextBlock', window );">Other Real Estate Owned</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(i.) Other Real Estate Owned</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other real estate owned consists of properties acquired through foreclosure or by acceptance of a deed in lieu of foreclosure. These assets are recorded at the lower of fair value of the asset acquired less estimated costs to sell or "cost" (defined as the fair value at initial foreclosure). At the time of foreclosure, or when foreclosure occurs in-substance, the excess, if any, of the loan over the fair market value of the assets received, less estimated selling costs, is charged to the allowance for loan losses and any subsequent valuation write-downs are charged to other expense. In connection with the determination of the allowance for loan losses and the valuation of other real estate owned, management obtains appraisals for properties. Operating costs associated with the properties are charged to expense as incurred. Gains on the sale of other real estate owned are included in income when title has passed and the sale has met the minimum down payment requirements prescribed by GAAP. The balance of other real estate owned was $<font class="_mt">163</font> thousand and $<font class="_mt">194</font> thousand at December 31, 2015 and 2014, respectively.</font></p></div> </div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_CompanyOwnedLifeInsurancePolicyTextBlock', window );">Company Owned Life Insurance</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(j.) Company Owned Life Insurance</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company holds life insurance policies on certain current and former employees. The Company is the owner and beneficiary of the policies. The cash surrender value of these policies is included as an asset on the consolidated statements of financial condition, and any increase in cash surrender value is recorded as noninterest income on the consolidated statements of income. In the event of the death of an insured individual under these policies, the Company would receive a death benefit which would be recorded as noninterest income.</font></p></div> </div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock', window );">Premises And Equipment</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(k.) Premises and Equipment</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Premises and equipment are stated at cost, less accumulated depreciation and amortization. Depreciation is computed on the straight-line method over the estimated useful lives of the assets. The Company generally amortizes buildings and building improvements over a period of&nbsp;<font class="_mt">15</font> to&nbsp;<font class="_mt">39</font> years and software, furniture and equipment over a period of&nbsp;<font class="_mt">3</font> to&nbsp;<font class="_mt">10</font> years. Leasehold improvements are amortized over the shorter of the lease term or the useful life of the improvements. Premises and equipment are periodically reviewed for impairment or when circumstances present indicators of impairment.</font></p></div> </div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock', window );">Goodwill And Other Intangible Assets</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(l.) Goodwill and Other Intangible Assets</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The excess of the cost of an acquisition over the fair value of the net assets acquired consists primarily of goodwill, core deposit intangibles, and other identifiable intangible assets. Intangible assets are acquired assets that lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract, asset, or liability. The Company's intangible assets consist of core deposits and other intangible assets (primarily customer relationships). Core deposit intangible assets are amortized on an accelerated basis over their estimated life of approximately&nbsp;<font class="_mt">nine</font> and a half years. Other intangible assets are amortized on an accelerated basis over their weighted average estimated life of approximately&nbsp;<font class="_mt">twenty</font> years. The Company reviews long-lived assets and certain identifiable intangibles for impairment at least annually, or whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable, in which case an impairment charge would be recorded.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Goodwill is not amortized but, instead, is subject to impairment tests on at least an annual basis, and more frequently if an event occurs or circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying amount. The impairment testing process is conducted by assigning net assets and goodwill to each reporting unit. An initial qualitative evaluation is made to assess the likelihood of impairment and determine whether further quantitative testing to calculate the fair value is necessary. When the qualitative evaluation indicates that impairment is more likely than not, quantitative testing is required whereby the fair value of each reporting unit is calculated and compared to the recorded book value, "Step 1." If the calculated fair value of the reporting unit exceeds its carrying value, goodwill is not considered impaired and "Step 2" is not considered necessary. If the carrying value of a reporting unit exceeds its calculated fair value, the impairment test continues ("Step 2") by comparing the carrying value of the reporting unit's goodwill to the implied fair value of goodwill. The implied fair value is computed by adjusting all assets and liabilities of the reporting unit to current fair value with the offset adjustment to goodwill. The adjusted goodwill balance is the implied fair value of the goodwill. An impairment charge is recognized if the carrying value of goodwill exceeds the implied fair value of goodwill. See Note 7 for additional information on goodwill and other intangible assets.</font></p></div> </div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FederalHomeLoanBankAndFederalReserveBankStockPolicyPolicyTextBlock', window );">Federal Home Loan Bank ("FHLB") And Federal Reserve Bank ("FRB") Stock</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(m.)Federal Home Loan Bank ("FHLB") and Federal Reserve Bank ("FRB") Stock</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The non-marketable investments in FHLB and FRB stock are included in other assets in the consolidated statements of financial condition at par value or cost and are periodically reviewed for impairment. The dividends received relative to these investments are included in other noninterest income in the consolidated statements of income.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">As a member of the FHLB system, the Company is required to maintain a specified investment in FHLB of New York ("FHLBNY") stock in proportion to its volume of certain transactions with the FHLB. FHLBNY stock totaled $<font class="_mt">15.1</font> million as of December 31, 2015 and 2014.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">As a member of the FRB system, the Company is required to maintain a specified investment in FRB stock based on a ratio relative to the Company's capital. FRB stock totaled $<font class="_mt">4.9</font> million and $<font class="_mt">3.9</font> million as of December 31, 2015 and 2014, respectively.</font></p></div> </div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquityMethodInvestmentsPolicy', window );">Equity Method Investments</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(n.) Equity Method Investments</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company has investments in limited partnerships, primarily Small Business Investment Companies, and accounts for these investments under the equity method. These investments are included in other assets in the consolidated statements of financial condition and totaled $<font class="_mt">5.0</font> million and $<font class="_mt">4.9</font> million as of December 31, 2015 and 2014, respectively.</font></p></div> </div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_TreasuryStockPolicyPolicyTextBlock', window );">Treasury Stock</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(o.) Treasury Stock</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Acquisitions of treasury stock are recorded at cost. The reissuance of shares in treasury is recorded at weighted-average cost.</font></p></div> </div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_EmployeeBenefitsPolicyPolicyTextBlock', window );">Employee Benefits</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(p.) Employee Benefits</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company maintains an employer sponsored 401(k) plan where participants may make contributions in the form of salary deferrals and the Company provides matching contributions in accordance with the terms of the plan. Contributions due under the terms of our defined contribution plans are accrued as earned by employees.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company also participates in a non-contributory defined benefit pension plan for certain employees who previously met participation requirements. The Company also provides post-retirement benefits, principally health and dental care, to employees of a previously acquired entity. The Company has closed the pension and post-retirement plans to new participants. The actuarially determined pension benefit is based on years of service and the employee's highest average compensation during&nbsp;<font class="_mt">five</font> consecutive years of employment. The Company's policy is to at least fund the minimum amount required by the Employment Retirement Income Security Act of 1974. The cost of the pension and post-retirement plans are based on actuarial computations of current and future benefits for employees, and is charged to noninterest expense in the consolidated statements of income.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company recognizes an asset or a liability for a plans' overfunded status or underfunded status, respectively, in the consolidated financial statements and reports changes in the funded status as a component of other comprehensive income, net of applicable taxes, in the year in which changes occur.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Effective January 1, 2016, the </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#080709" size="2">Company's </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">401(k) plan was amended and the Company's matching contribution was discontinued. Concurrent with the 401(k) plan amendment, the </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#080709" size="2">Company's </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">defined benefit pension plan was amended to </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#080709" size="2">modify the current benefit formula to reflect the discontinuance of the matching contribution in the 401(k) plan, to open the </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">defined benefit pension plan </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#080709" size="2">up to eligible employees who were hired on and after January 1, 2007, and provide those new participants with a cash balance benefit formula.</font></p></div> </div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy', window );">Share-Based Compensation Plans</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(q.) Share-Based Compensation Plans</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Compensation expense for stock options and restricted stock awards is based on the fair value of the award on the measurement date, which, for the Company, is the date of grant and is recognized ratably over the service period of the award. The fair value of stock options is estimated using the Black-Scholes option-pricing model. The fair value of restricted stock awards is generally the market price of the Company's stock on the date of grant.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Share-based compensation expense is included in the consolidated statements of income under salaries and employee benefits for awards granted to management and in other noninterest expense for awards granted to directors.</font></p></div> </div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RegulatoryIncomeTaxesPolicy', window );">Income Taxes</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(r.) Income Taxes</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income taxes are accounted for using the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates in effect for the year in which those temporary differences are expected to be recovered or settled. The effect of a change in tax rates on deferred tax assets and liabilities is recognized in income in the period that includes the enactment date. A valuation allowance is recognized on deferred tax assets if, based upon the weight of available evidence, it is more likely than not that some or all of the assets may not be realized. The Company recognizes interest and/or penalties related to income tax matters in income tax expense.</font></p></div> </div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomePolicyPolicyTextBlock', window );">Comprehensive Income</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(s.) Comprehensive Income</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Comprehensive income includes all changes in shareholders' equity during a period, except those resulting from transactions with shareholders. In addition to net income, other components of the Company's comprehensive income include the after tax effect of changes in net unrealized gain / loss on securities available for sale and changes in net actuarial gain / loss on defined benefit post-retirement plans. Comprehensive income is reported in the accompanying consolidated statements of changes in shareholders' equity and consolidated statements of comprehensive income. See Note 13 - Accumulated Other Comprehensive Income (Loss) for additional information.</font></p></div> </div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerSharePolicyTextBlock', window );">Earnings Per Common Share</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(t.) Earnings Per Common Share</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company calculates earnings per common share ("EPS") using the two-class method in accordance with </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#010202" size="2">Financial Accounting Standards Board ("FASB") Accounting Standards Codification ("ASC") Topic 260, "Earnings Per Share". </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The two-class method requires the Company to present EPS as if all of the earnings for the period are distributed to common shareholders and any participating securities, regardless of whether any actual dividends or distributions are made. All outstanding unvested share-based payment awards that contain rights to nonforfeitable dividends are considered participating securities.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Basic EPS is computed by dividing distributed and undistributed earnings available to common shareholders by the weighted average number of common shares outstanding for the period. Distributed and undistributed earnings available to common shareholders represent net income reduced by preferred stock dividends and distributed and undistributed earnings available to participating securities. Common shares outstanding include common stock and vested restricted stock awards. Diluted EPS reflects the assumed conversion of all potential dilutive securities. </font><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" color="#010202" size="2">A reconciliation of the weighted-average shares used in calculating basic earnings per common share and the weighted average common shares used in calculating diluted earnings per common share for the reported periods is provided in Note 16 - Earnings Per Common Share.</font></p></div> </div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PriorPeriodReclassificationAdjustmentDescription', window );">Reclassifications</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(u.) Reclassifications</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Certain items in prior financial statements have been reclassified to conform to the current presentation.</font></p></div> </div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock', window );">Recent Accounting Pronouncements</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><b><i><font class="_mt" style="font-family: TimesNewRomanPS-BoldItalicMT,Times New Roman,Times,serif;" size="2">(v.) Recent Accounting Pronouncements</font></i></b></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">In May 2014, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") No. 2014-09, </font><i><font class="_mt" style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" size="2">Revenue from Contracts with Customers (Topic 606). </font></i><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">ASU 2014-09 implements a common revenue standard that clarifies the principles for recognizing revenue. The core principle of ASU 2014-09 is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. To achieve that core principle, an entity should apply the following steps: (i) identify the contract(s) with a customer, (ii) identify the performance obligations in the contract, (iii) determine the transaction price, (iv) allocate the transaction price to the performance obligations in the contract and (v) recognize revenue when (or as) the entity satisfies a performance obligation. The effective date was recently deferred for one year to the interim and annual periods beginning on or after December 15, 2017. Early adoption is permitted as of the original effective date &#8211; interim and annual periods beginning on or after December 15, 2016. The Company is evaluating the potential impact of ASU 2014-09 on the Company's financial statements.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">In June 2014, the FASB issued ASU 2014-12, </font><i><font class="_mt" style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" size="2">Compensation&#8212;Stock Compensation (Topic 718)</font></i><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">. The pronouncement was issued to clarify the accounting for share-based payments when the terms of an award provide that a performance target could be achieved after the requisite service period. ASU 2014-12 is effective for the Company beginning January 1, 2016, though early adoption is permitted. The adoption of ASU 2014-12 is not expected to have a significant impact on the Company's financial statements.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">In January 2015, the FASB issued ASU 2015-01, </font><i><font class="_mt" style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" size="2">Income Statement - Extraordinary and Unusual Items (Subtopic 225-20) &#8211;Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items</font></i><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">. ASU 2015-01 eliminates from U.S. GAAP the concept of extraordinary items, which, among other things, required an entity to segregate extraordinary items considered to be unusual and infrequent from the results of ordinary operations and show the item separately in the income statement, net of tax, after income from continuing operations. ASU 2015-01 is effective for the Company beginning January 1, 2016, though early adoption is permitted. ASU 2015-01 is not expected to have a significant impact on the Company's financial statements.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">In April 2015, the FASB issued ASU 2015-03, </font><i><font class="_mt" style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" size="2">Simplifying the Presentation of Debt Issuance Costs</font></i><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">. Under ASU 2015-03, the Company will present debt issuance costs in the balance sheet as a reduction from the related debt liability rather than as an asset. Amortization of such costs will continue to be reported as interest expense. ASU 2015-03 will be effective for the Company beginning January 1, 2016, though early adoption is permitted. Retrospective adoption is required. The Company early adopted this standard during the quarter ended June 30, 2015, concurrent with the issuance of the Subordinated Notes described in Note 9. Unamortized debt issuance costs of $1.0 million are included in the net balance of long-term borrowings reported on the Consolidated Statements of Financial Condition. Retrospective application of this standard did not impact previously issued financial statements.</font></p></div> </div><span></span>
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<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">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Other Real Estate Owned Policy [Policy Text Block]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Treasury Stock Policy [Policy Text Block]</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">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><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">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for comprehensive income.</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">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy regarding (1) the principles it follows in consolidating or combining the separate financial statements, including the principles followed in determining the inclusion or exclusion of subsidiaries or other entities in the consolidated or combined financial statements and (2) its treatment of interests (for example, common stock, a partnership interest or other means of exerting influence) in other entities, for example consolidation or use of the equity or cost methods of accounting.  The accounting policy may also address the accounting treatment for intercompany accounts and transactions, noncontrolling interest, and the income statement treatment in consolidation for issuances of stock by a subsidiary.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=d3e5614-111684<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.3A-02)<br> -URI http://asc.fasb.org/extlink&amp;oid=27015204&amp;loc=d3e355033-122828<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph k<br> -Article 1<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02, 03<br> -Article 3A<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for computing basic and diluted earnings or loss per share for each class of common stock and participating security. Addresses all significant policy factors, including any antidilutive items that have been excluded from the computation and takes into account stock dividends, splits and reverse splits that occur after the balance sheet date of the latest reporting period but before the issuance of the financial statements.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3630-109257<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<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">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for the equity method of accounting for investments in common stock or other interests including unconsolidated subsidiaries, corporate joint ventures, noncontrolling interests in real estate ventures, limited partnerships, and limited liability companies. The accounting policy may include information such as: (1) initially recording an investment in the stock of an investee at cost; (2) adjusting the carrying amount of the investment to recognize the investor's share of the earnings or losses of the investee after the date of acquisition; and (3) adjustments to reflect the investor's share of changes in the investee's capital (dividends). This disclosure may also include a detailed description of the policy for determining the amount of equity method losses recognized after an investment has been reduced to zero as a result of previous losses, reasons for not using the equity method when the investor company owns 20 percent or more of the voting stock of the investee's company (including identification of the significant investee), reasons for using the equity method when the ownership percentage is less than 20 percent, and discussion of recognition of equity method losses when an investor's total investment in an investee includes, in addition to an investment in common stock, other investments such as preferred stock and loans to the investee. An entity also may describe how such investments are assessed for impairment.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=6957238&amp;loc=d3e14064-108612<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6382943&amp;loc=d3e33918-111571<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 12<br> -Article 5<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;">us-gaap_EquityMethodInvestmentsPolicy</td>
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<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>Disclosure of accounting policy for goodwill and intangible assets. This accounting policy also may address how an entity assesses and measures impairment of goodwill and intangible assets.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16265-109275<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<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;">us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock</td>
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<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>Disclosure of accounting policy for estimating the allowance for losses on loans and lease receivables. The disclosure may include (a) how the entity determines each element of the allowance, (b) which loans are evaluated individually and which loans are evaluated as a group, (c) how the entity determines both the allocated and unallocated portions of the allowance, (d) how the entity determines the loss factors applied to graded loans in order to develop a general allowance, and (e) what self-correcting mechanism the entity uses to reduce differences between estimated and actual losses.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5144-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<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;">us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy</td>
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<tr>
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<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>Disclosure of the accounting policy for recognizing income earned net of related expenses incurred. Describes the fees to be received net of related costs pertaining to lending activities, including acquiring loans, issuing commitments to lend or participating in a loan syndication.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=6378556&amp;loc=d3e10178-111534<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5033-111524<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<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;">us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Disclosure of accounting policy for investments in debt and equity securities that are classified as trading securities. This policy also may describe the entity's accounting treatment for transfers between investment categories and how the fair values of such securities are determined.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 2, 12<br> -Article 5<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;">us-gaap_MarketableSecuritiesTradingSecuritiesPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Disclosure of accounting policy pertaining to new accounting pronouncements that may impact the entity's financial reporting. Includes, but is not limited to, quantification of the expected or actual impact.</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;">us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock</td>
</tr>
<tr>
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<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>Description of accounting policies and methodologies used to estimate the entity's liability for off-balance sheet credit exposures and related charges for those credit exposures.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5144-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<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;">us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PriorPeriodReclassificationAdjustmentDescription">
<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>Disclosure of accounting policy for reclassifications that affects the comparability of the financial statements.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 205<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6359566&amp;loc=d3e326-107755<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;">us-gaap_PriorPeriodReclassificationAdjustmentDescription</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Disclosure of accounting policy for long-lived, physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, basis of assets, depreciation and depletion methods used, including composite deprecation, estimated useful lives, capitalization policy, accounting treatment for costs incurred for repairs and maintenance, capitalized interest and the method it is calculated, disposals and impairments.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.13(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 13<br> -Subparagraph a<br> -Article 5<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;">us-gaap_PropertyPlantAndEquipmentPolicyTextBlock</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</table>
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<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>Disclosure of accounting policy for income taxes, including investment tax credits, and the related regulatory treatment (for example, whether deferred income tax accounting - normalization - is allowed in rate making).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 980<br> -SubTopic 740<br> -Section 25<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6501382&amp;loc=d3e54136-110423<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 980<br> -SubTopic 740<br> -Section 25<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6501382&amp;loc=d3e54053-110423<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<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;">us-gaap_RegulatoryIncomeTaxesPolicy</td>
</tr>
<tr>
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<td>us-gaap_</td>
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<tr>
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<tr>
<td><strong> Balance Type:</strong></td>
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</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_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy">
<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>Disclosure of accounting policy for stock option and stock incentive plans. This disclosure may include (1) the types of stock option or incentive plans sponsored by the entity (2) the groups that participate in (or are covered by) each plan (3) significant plan provisions and (4) how stock compensation is measured, and the methodologies and significant assumptions used to determine that measurement.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5047-113901<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b),(f)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UseOfEstimates">
<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>Disclosure of accounting policy for the use of estimates in the preparation of financial statements in conformity with generally accepted accounting principles.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=6927468&amp;loc=d3e6061-108592<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=6927468&amp;loc=d3e6143-108592<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=6927468&amp;loc=d3e6132-108592<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;">us-gaap_UseOfEstimates</td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6846033616">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary Of Significant Accounting Policies (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_AccountingPoliciesAbstract', window );"><strong>Summary Of Significant Accounting Policies [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_us-gaap_ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock', window );">Summary Of Supplemental Cash Flow Information</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td>
<td> </td></tr>
<tr><td width="51%"> </td>
<td style="width: 15%; border-bottom: rgb(0,0,0) 1px solid;" width="15%" colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td width="2%"> </td>
<td style="width: 15%; border-bottom: rgb(0,0,0) 1px solid;" width="14%" colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td width="2%">&nbsp;</td>
<td style="width: 15%; border-bottom: rgb(0,0,0) 1px solid;" width="14%" colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash payments:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Interest expense</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,323</font></td>
<td align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,826</font></td>
<td align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,750</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income taxes</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,494</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,665</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,095</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Noncash investing and financing activities:</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Real estate and other assets acquired in settlement of loans</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">374</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">394</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">726</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Accrued and declared unpaid dividends</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,185</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,177</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,981</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(Decrease) increase in net unsettled security purchases</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(478</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">568</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(51,112</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Securities transferred from available for sale to held to maturity</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">165,238</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,802</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">227,330</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans transferred from held for sale to held for investment</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">853</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,727</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Common stock issued for acquisition</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,400</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Assets acquired and liabilities assumed in business combinations:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans and other non-cash assets, excluding goodwill and core</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">deposit intangible asset</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,007</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Deposits and other liabilities</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,112</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr></table> </div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountingPoliciesAbstract">
<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 );">- References</a><div><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;">us-gaap_AccountingPoliciesAbstract</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<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>Tabular disclosure of supplemental cash flow information for the periods presented.</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;">us-gaap_ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock</td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825876352">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Business Combinations (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</div></th></tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fisi_ScottDanahyNaylonCo.Inc.Member', window );">Scott Danahy Naylon Co., Inc. [Member]</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_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
<td class="text">&#160;<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_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock', window );">Consideration Paid And The Amounts Of The Recognized Assets Acquired And Liabilities Assumed</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="75%"> </td>
<td width="15%"> </td>
<td width="9%"> </td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Consideration paid:</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,100</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Stock</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,400</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Contingent consideration</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,227</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fair value of total consideration transferred</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">16,727</font></td></tr>
<tr><td bgcolor="#c6d9f1" colspan="3">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fair value of assets acquired:</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">105</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Identified intangible assets</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,640</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Premises and equipment, accounts receivable and other assets</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,094</font></td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total identifiable assets acquired</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,839</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fair value of liabilities assumed:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Deferred tax liability</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,556</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other liabilities</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,173</font></td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total liabilities assumed</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,729</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fair value of net assets acquired</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,110</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Goodwill resulting from acquisition</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,617</font></td></tr></table> </div><span></span>
</td>
</tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the amounts recognized as of the acquisition date for each major class of assets acquired and liabilities assumed. May include but not limited to the following: (a) acquired receivables; (b) contingencies recognized at the acquisition date; and (c) the fair value of noncontrolling interests in the acquiree.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=39739317&amp;loc=d3e4845-128472<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">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionAxis=fisi_ScottDanahyNaylonCo.Inc.Member</td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6833758032">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investment Securities (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_InvestmentsAbstract', window );"><strong>Investment Securities [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_us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock', window );">Amortized Cost And Fair Value Of Investment Securities</a></td>
<td class="text"><div> <div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left">

<table cellspacing="0" border="0">
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<td width="13%"> </td>
<td width="2%"> </td>
<td width="13%"> </td>
<td width="3%"> </td>
<td width="7%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amortized</font></b></td>
<td align="right">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Unrealized</font></b></td>
<td align="right">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Unrealized</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fair</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Cost</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Gains</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Losses</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Value</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">December 31, 2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Securities available for sale:</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">U.S. Government agencies and government</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">sponsored enterprises</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">260,748</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,164</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,049</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">260,863</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage-backed securities:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">209,671</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,092</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,333</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">208,430</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal Home Loan Mortgage Corporation</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">24,564</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">282</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">194</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">24,652</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">26,465</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">943</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">27,404</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collateralized mortgage obligations:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">16,998</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">90</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">154</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">16,934</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal Home Loan Mortgage Corporation</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,175</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">91</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,085</font></td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Privately issued</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">809</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">809</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 8px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total mortgage-backed securities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">282,873</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,217</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,776</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">283,314</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Asset-backed securities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">218</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">218</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 11px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total available for sale securities</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">543,621</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,599</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,825</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">544,395</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Securities held to maturity:</font></b></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">State and political subdivisions</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">294,423</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,562</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">300,981</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage-backed securities:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,242</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">79</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,177</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,607</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">33</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">159</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,481</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collateralized mortgage obligations:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">56,791</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">818</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">55,973</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal Home Loan Mortgage Corporation</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">80,570</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,120</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">79,450</font></td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government National Mortgage Association</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19,084</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">101</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19,002</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 8px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total mortgage-backed securities</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">191,294</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">66</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,277</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">189,083</font></td></tr>
<tr valign="bottom"><td style="text-indent: 11px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total held to maturity securities</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">485,717</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,628</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,281</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">490,064</font></td></tr></table>

<table cellspacing="0" border="0">
<tr><td width="38%"> </td>
<td width="2%"> </td>
<td width="16%"> </td>
<td width="2%"> </td>
<td width="13%"> </td>
<td width="2%"> </td>
<td width="13%"> </td>
<td width="3%"> </td>
<td width="7%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">December 31, 2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Securities available for sale:</font></b></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">U.S. Government agencies and government</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">sponsored enterprises</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">160,334</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,116</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">975</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">160,475</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage-backed securities:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">184,857</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,344</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,264</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">185,937</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal Home Loan Mortgage Corporation</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">29,478</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">799</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">30,270</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48,800</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,022</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">50,822</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collateralized mortgage obligations:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">76,247</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">489</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">944</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">75,792</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal Home Loan Mortgage Corporation</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">89,623</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">199</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,585</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">87,237</font></td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">29,954</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">598</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">40</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">30,512</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Privately issued</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,218</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,218</font></td></tr>
<tr valign="bottom"><td style="text-indent: 8px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total mortgage-backed securities</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">458,959</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,669</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,840</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">461,788</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Asset-backed securities</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">231</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">231</font></td></tr>
<tr valign="bottom"><td style="text-indent: 11px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total available for sale securities</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">619,293</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,016</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,815</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">622,494</font></td></tr>
<tr valign="bottom"><td align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Securities held to maturity:</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">State and political subdivisions</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">277,273</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,231</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">120</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">281,384</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage-backed securities:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,279</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">24</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,303</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government National Mortgage Association</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,886</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">122</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,008</font></td></tr>
<tr valign="bottom"><td style="text-indent: 8px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total mortgage-backed securities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17,165</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">146</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17,311</font></td></tr>
<tr valign="bottom"><td style="text-indent: 11px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total held to maturity securities</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">294,438</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,377</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">120</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">298,695</font></td></tr></table></div> </div><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_us-gaap_InterestAndOtherIncomeTableTextBlock', window );">Interest And Dividends On Securities</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="45%"> </td>
<td width="2%"> </td>
<td width="26%"> </td>
<td width="3%"> </td>
<td width="9%"> </td>
<td width="3%"> </td>
<td width="8%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Taxable interest and dividends</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">16,123</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,304</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,541</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Tax-exempt interest and dividends</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,752</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,298</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,922</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total interest and dividends on securities</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">21,875</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,602</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17,463</font></td></tr></table> </div><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_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock', window );">Scheduled Maturities Of Securities Available For Sale And Securities Held To Maturity</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="52%"> </td>
<td width="25%"> </td>
<td width="9%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amortized</font></b></td>
<td width="3%"> </td>
<td width="8%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fair</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Cost</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Value</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Debt securities available for sale:</font></b></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Due in one year or less</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,182</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,241</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Due from one to five years</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">174,053</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">173,336</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Due after five years through ten years</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">275,972</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">276,660</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Due after ten years</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">68,414</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">69,158</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">543,621</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">544,395</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Debt securities held to maturity:</font></b></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Due in one year or less</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">22,188</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">22,261</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Due from one to five years</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">172,094</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">175,650</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Due after five years through ten years</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">116,362</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">119,183</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Due after ten years</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">175,073</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">172,970</font></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">485,717</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">490,064</font></td></tr></table> </div><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_us-gaap_RealizedGainLossOnInvestmentsTableTextBlock', window );">Sales And Calls Of Securities Available For Sale</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="37%"> </td>
<td width="2%"> </td>
<td width="34%"> </td>
<td width="3%"> </td>
<td width="9%"> </td>
<td width="3%"> </td>
<td width="8%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Proceeds from sales</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">54,277</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">81,600</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,327</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Gross realized gains</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,000</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,043</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,226</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Gross realized losses</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr></table> </div><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_us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock', window );">Investments' Gross Unrealized Losses And Fair Value</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="34%"> </td>
<td width="2%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="3%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="7%"> </td></tr>
<tr valign="bottom"><td width="34%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="21%" colspan="3" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Less than 12 months</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="20%" colspan="3" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">12 months or longer</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="18%" colspan="3" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Total</font></b></td></tr>
<tr valign="bottom"><td width="34%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td style="text-indent: 4px;" width="9%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fair</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Unrealized</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td style="text-indent: 4px;" width="9%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fair</font></b></td>
<td width="2%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"> </font></b></td>
<td width="9%" align="center">&nbsp;<b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Unrealized</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td style="text-indent: 3px;" width="9%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fair</font></b></td>
<td width="2%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"> </font></b></td>
<td width="7%" align="center">&nbsp;<b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Unrealized</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" width="34%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" width="9%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Value</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Losses</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Value</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Losses</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="9%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Value</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Losses</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="34%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">December 31, 2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Securities available for sale:</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">U.S. Government agencies and government</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">sponsored enterprises</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">82,298</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">735</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">26,302</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">314</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">108,600</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,049</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage-backed securities:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">123,774</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,134</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,562</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">199</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">133,336</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,333</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal Home Loan Mortgage Corporation</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,660</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">194</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,660</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">194</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,405</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,405</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collateralized mortgage obligations:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,778</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">154</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,778</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">154</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 5px;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal Home Loan Mortgage Corporation</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,998</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">91</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,998</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">91</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="34%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total mortgage-backed securities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">150,615</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,577</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,562</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">199</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">160,177</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,776</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" width="34%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total available for sale securities</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">232,913</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,312</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">35,864</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">513</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">268,777</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,825</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="34%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Securities held to maturity:</font></b></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">State and political subdivisions</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,075</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,075</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage-backed securities:</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,666</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">79</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,666</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">79</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,790</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">159</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,790</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">159</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collateralized mortgage obligations:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">55,973</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">818</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">55,973</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">818</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal Home Loan Mortgage Corporation</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">79,323</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,120</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">79,323</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,120</font></td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government National Mortgage Association</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,559</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">101</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,559</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">101</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" width="34%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total mortgage-backed securities</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">164,311</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,277</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">164,311</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,277</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="34%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total held to maturity securities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">167,386</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,281</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">167,386</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,281</font></td></tr>
<tr valign="bottom"><td width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total temporarily impaired securities</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">400,299</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,593</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">35,864</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">513</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">436,163</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,106</font></td></tr>
<tr><td width="100%" colspan="13">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="34%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">December 31, 2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Securities available for sale:</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">U.S. Government agencies and government</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">sponsored enterprises</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">34,995</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">77</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">41,070</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">898</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">76,065</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">975</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage-backed securities:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,242</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">62,592</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,256</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">64,834</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,264</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal Home Loan Mortgage Corporation</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,387</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,387</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collateralized mortgage obligations:</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal National Mortgage Association</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11,228</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">24</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,644</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">920</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">36,872</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">944</font></td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal Home Loan Mortgage Corporation</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">76,126</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,585</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">76,126</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,585</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 5px;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government National Mortgage Association</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,510</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">40</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,510</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">40</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="34%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total mortgage-backed securities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">16,857</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">39</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">166,872</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,801</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">183,729</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,840</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total available for sale securities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">51,852</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">116</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">207,942</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,699</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">259,794</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,815</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="34%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Securities held to maturity:</font></b></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">State and political subdivisions</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,036</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">120</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,036</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">120</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="34%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total temporarily impaired securities</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">69,888</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">236</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">207,942</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,699</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">277,830</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,935</font></td></tr></table> </div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of interest income and other income elements which are not separately disclosed on the income statement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of maturities of an entity's investments as well as any other information pertinent to the investments.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>For all investments in an unrealized loss position, including those for which other-than-temporary impairments have not been recognized in earnings (including investments for which a portion of an other-than-temporary impairment has been recognized in other comprehensive income), a tabular disclosure of the aggregate related fair value of investments with unrealized losses and the aggregate amount of unrealized losses (that is, the amount by which amortized cost basis exceeds fair value).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br></p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825196384">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans Held For Sale And Loan Servicing Rights (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_fisi_LoansHeldForSaleAndLoanServicingRightsAbstract', window );"><strong>Loans Held For Sale And Loan Servicing Rights [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_ActivityInCapitalizedMortgageServicingAssetsTableTextBlock', window );">Activity In Capitalized Mortgage Servicing Assets</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="42%"> </td>
<td width="2%"> </td>
<td width="24%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="8%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="8%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage servicing assets, beginning of year</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,335</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,479</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,637</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Originations</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">166</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">172</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">277</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(276</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(316</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(435</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage servicing assets, end of year</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,225</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,335</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,479</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Valuation allowance</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(6</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage servicing assets, net, end of year</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,224</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,329</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,476</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr></table> </div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Activity In Capitalized Mortgage Servicing Assets [Table Text Block]</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">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Loans Held For Sale And Loan Servicing Rights [Abstract]</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">
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<td style="white-space:nowrap;">fisi_LoansHeldForSaleAndLoanServicingRightsAbstract</td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6848262032">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_LoansAndLeasesReceivableDisclosureAbstract', window );"><strong>Loans [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_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock', window );">Loan Portfolio</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="39%"> </td>
<td width="2%"> </td>
<td width="32%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="2%"> </td>
<td width="1%"> </td>
<td width="7%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Principal</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Net Deferred</font></b></td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Loan (Fees)</font></b></td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Outstanding</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Costs</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Loans, Net</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial business</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">313,475</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">283</font></td>
<td align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">313,758</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial mortgage</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">567,481</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,380</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">566,101</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Residential mortgage</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">98,302</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">98,309</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Home equity</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">402,487</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,625</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">410,112</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Consumer indirect</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">652,494</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">24,446</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">676,940</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other consumer</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,361</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">181</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,542</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,052,600</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">31,162</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,083,762</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Allowance for loan losses</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(27,085</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total loans, net</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,056,677</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr><td colspan="9">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial business</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">267,377</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">32</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">267,409</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial mortgage</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">476,407</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,315</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">475,092</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Residential mortgage</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">100,241</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(140</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">100,101</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Home equity</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">379,774</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,841</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">386,615</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Consumer indirect</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">636,357</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,316</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">661,673</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other consumer</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20,915</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">197</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">21,112</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,881,071</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">30,931</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,912,002</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Allowance for loan losses</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(27,637</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total loans, net</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,884,365</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr></table> </div><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_us-gaap_PastDueFinancingReceivablesTableTextBlock', window );">Recorded Investment By Loan Class In Current And Nonaccrual Loans</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="18%"> </td>
<td width="6%"> </td>
<td width="6%" align="center"> </td>
<td width="3%" align="center"> </td>
<td width="6%" align="center"> </td>
<td width="2%" align="center"> </td>
<td width="6%" align="center"> </td>
<td width="2%" align="center"> </td>
<td width="10%" align="center"> </td>
<td width="2%" align="center"> </td>
<td width="10%" align="center"> </td>
<td width="2%" align="center"> </td>
<td width="8%" align="center"> </td>
<td width="2%" align="center"> </td>
<td width="9%" align="center"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">30-59 Days</font></b></td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">60-89 Days</font></b></td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Greater Than</font></b></td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Total Past</font></b></td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Past Due</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Past Due</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">90 Days</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Due</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Nonaccrual</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Current</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Total Loans</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial business</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">321</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">612</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">933</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,922</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">308,620</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">313,475</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial mortgage</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">68</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">146</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">214</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">947</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">566,320</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">567,481</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Residential mortgage</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">203</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">203</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,325</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">96,774</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">98,302</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Home equity</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">719</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">429</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,148</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">758</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">400,581</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">402,487</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Consumer indirect</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,975</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">286</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,261</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,467</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">648,766</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">652,494</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other consumer</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">98</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">119</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,229</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,361</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total loans, gross</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,384</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,486</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,878</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,432</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,039,290</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,052,600</font></td></tr>
<tr><td colspan="15">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial business</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">28</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">28</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,288</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">263,061</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">267,377</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial mortgage</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">83</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">83</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,020</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">473,304</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">476,407</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Residential mortgage</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">321</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">321</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,194</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">98,726</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">100,241</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Home equity</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">799</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">67</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">866</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">463</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">378,445</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">379,774</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Consumer indirect</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,429</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">402</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,831</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,169</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">632,357</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">636,357</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other consumer</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">148</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">204</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20,700</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20,915</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total loans, gross</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,808</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">517</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,333</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,145</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,866,593</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,881,071</font></td></tr></table> </div><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_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock', window );">Information Related To Loans Modified In A TDR</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="33%"> </td>
<td width="23%"> </td>
<td width="3%"> </td>
<td width="4%"> </td>
<td width="14%"> </td>
<td width="2%"> </td>
<td width="4%"> </td>
<td width="14%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"> </font></b></td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Pre</font></b>-</font></b></td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"> </font></b></td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Post</font></b>-</font></b></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td colspan="4" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Modification Modification</font></b></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Outstanding</font></b></td>
<td colspan="3" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Outstanding</font></b></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Number of</font></b></td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Recorded</font></b></td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Recorded</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Contracts</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Investment</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Investment</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial business</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,342</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,342</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial mortgage</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">682</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">330</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,024</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,672</font></td></tr>
<tr><td colspan="8">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial business</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,381</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,381</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial mortgage</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,381</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,381</font></td></tr></table> </div><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_us-gaap_ImpairedFinancingReceivablesTableTextBlock', window );">Summary Of Impaired Loans</a></td>
<td class="text"><div> <div>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;" align="left">

<table cellspacing="0" border="0">
<tr><td width="32%"> </td>
<td width="11%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="7%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Unpaid</font></b></td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Average</font></b></td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Interest</font></b></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Recorded</font></b></td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Principal</font></b></td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Related</font></b></td>
<td align="center">&nbsp;</td>
<td style="text-indent: 1px;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Recorded</font></b></td>
<td align="center">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Income</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Investment</font></b><b><sup><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(1)</font></sup></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Balance</font></b><b><sup><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(1)</font></sup></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Allowance</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Investment</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Recognized</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">With no related allowance recorded:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial business</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,441</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,810</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,352</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial mortgage</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">937</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,285</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,013</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,378</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,095</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,365</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">With an allowance recorded:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial business</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,481</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,481</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">996</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,946</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial mortgage</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">449</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,491</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,491</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,006</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,395</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,869</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,586</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,006</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,760</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr><td colspan="11">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">With no related allowance recorded:</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial business</font></td>
<td style="text-indent: 1px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,408</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,741</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,431</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial mortgage</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">781</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">920</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,014</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,189</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,661</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,445</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">With an allowance recorded:</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial business</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,880</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,880</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,556</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,998</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commercial mortgage</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,239</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,239</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">911</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,560</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,119</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,119</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,467</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,558</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr><td colspan="11">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 1px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,308</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,780</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,467</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,003</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="1">(1) </font><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Difference between recorded investment and unpaid principal balance represents partial charge-offs.</font></font></p></div> </div><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_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock', window );">Commercial Loan Portfolio Categorized By Internally Assigned Asset Classification</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="42%"> </td>
<td width="2%"> </td>
<td width="41%"> </td>
<td width="2%"> </td>
<td width="10%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td colspan="3" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Commercial Commercial</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Business</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Mortgage</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Uncriticized</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">298,413</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">551,603</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Special mention</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,916</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,015</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Substandard</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,146</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,863</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Doubtful</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">313,475</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">567,481</font></td></tr>
<tr><td colspan="5">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Uncriticized</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">250,961</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">460,880</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Special mention</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,530</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,411</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Substandard</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,886</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,116</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Doubtful</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">267,377</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">476,407</font></td></tr></table> </div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_RetailLoanPortfolioCategorizedByPaymentStatusTableTextBlock', window );">Retail Loan Portfolio Categorized By Payment Status</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="31%"> </td>
<td width="2%"> </td>
<td width="29%"> </td>
<td width="2%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="9%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Residential</font></b></td>
<td align="right">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Home</font></b></td>
<td align="right">&nbsp;</td>
<td align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Consumer</font></b></td>
<td align="right">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Other</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Mortgage</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Equity</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Indirect</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Consumer</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Performing</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">96,977</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">401,729</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">651,027</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,340</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Non-performing</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,325</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">758</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,467</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">21</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">98,302</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">402,487</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">652,494</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,361</font></td></tr>
<tr><td colspan="9">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Performing</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">99,047</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">379,311</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">635,188</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20,896</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Non-performing</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,194</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">463</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,169</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">100,241</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">379,774</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">636,357</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20,915</font></td></tr></table> </div><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_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock', window );">Changes In The Allowance For Loan Losses</a></td>
<td class="text"><div> <div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="15%"> </td>
<td width="2%"> </td>
<td width="6%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="3%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="7%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="6%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Commercial</font></b></td>
<td width="2%" align="right">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Commercial</font></b></td>
<td width="2%" align="right">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Residential</font></b>&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Home</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Consumer</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Other</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Business</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Mortgage</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Mortgage</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Equity</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Indirect</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Consumer</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Total</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="15%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="15%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Allowance for loan losses:</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Beginning balance</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,621</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,122</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">570</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,485</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11,383</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">456</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">27,637</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Charge-offs</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,433</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(895</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(175</font></td>
<td width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(421</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(9,156</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(878</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(12,958</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Recoveries</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">212</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">146</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">82</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">63</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,200</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">322</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,025</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Provision (credit)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,140</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,654</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(13</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">101</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,031</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">468</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,381</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Ending balance</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,540</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,027</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">464</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,228</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,458</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">368</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">27,085</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Evaluated for impairment:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Individually</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">996</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,006</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collectively</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,544</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,017</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">464</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,228</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,458</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">368</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">26,079</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td></tr>
<tr><td width="99%" colspan="22">&nbsp;</td></tr>
<tr valign="bottom"><td width="15%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Loans:</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Ending balance</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">313,475</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">567,481</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">98,302</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">402,487</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">652,494</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,361</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,052,600</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Evaluated for impairment:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Individually</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,922</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">947</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,869</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collectively</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">309,553</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">566,534</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">98,302</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">402,487</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">652,494</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,361</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,047,731</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td></tr>
<tr><td width="99%" colspan="22">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="15%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="15%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Allowance for loan losses:</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Beginning balance</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,273</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,743</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">676</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,367</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,230</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">447</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">26,736</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Charge-offs</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(204</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(304</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(190</font></td>
<td width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(340</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(10,004</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(972</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(12,014</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Recoveries</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">201</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">143</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">39</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">56</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,321</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">366</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,126</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Provision</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,351</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">540</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">45</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">402</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,836</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">615</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,789</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Ending balance</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,621</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,122</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">570</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,485</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11,383</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">456</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">27,637</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Evaluated for impairment:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Individually</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,556</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">911</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,467</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collectively</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,065</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,211</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">570</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,485</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11,383</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">456</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,170</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td></tr>
<tr><td width="99%" colspan="22">&nbsp;</td></tr>
<tr valign="bottom"><td width="15%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Loans:</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Ending balance</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">267,377</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">476,407</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">100,241</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">379,774</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">636,357</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20,915</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,881,071</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Evaluated for impairment:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Individually</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,288</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,020</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,308</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collectively</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">263,089</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">473,387</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">100,241</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">379,774</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">636,357</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20,915</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,873,763</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="15%"> </td>
<td width="2%"> </td>
<td width="6%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="3%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="7%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="6%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Commercial</font></b></td>
<td width="2%" align="right">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Commercial</font></b></td>
<td width="2%" align="right">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Residential</font></b>&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Home</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Consumer</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Other</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Business</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Mortgage</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Mortgage</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Equity</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Indirect</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Consumer</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Total</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="15%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="9%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="15%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Allowance for loan losses:</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Beginning balance</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,884</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,581</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">740</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,282</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,715</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">512</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">24,714</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Charge-offs</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,070</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(553</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(411</font></td>
<td width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(391</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(8,125</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(928</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(11,478</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="15%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Recoveries</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">349</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">319</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">54</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">157</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,161</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">381</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,421</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Provision</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">110</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,396</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">293</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">319</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,479</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">482</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,079</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Ending balance</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,273</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,743</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">676</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,367</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,230</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">447</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">26,736</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Evaluated for impairment:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Individually</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">201</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,057</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,258</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collectively</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,072</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,686</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">676</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,367</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,230</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">447</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,478</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td></tr>
<tr><td width="99%" colspan="22">&nbsp;</td></tr>
<tr valign="bottom"><td width="15%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Loans:</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Ending balance</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">265,751</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">470,312</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">113,101</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">320,658</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">609,390</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">22,893</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,802,105</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Evaluated for impairment:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Individually</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,474</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,663</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,137</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="15%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collectively</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">262,277</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">460,649</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">113,101</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">320,658</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">609,390</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">22,893</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,788,968</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td></tr></table></div> </div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_RetailLoanPortfolioCategorizedByPaymentStatusTableTextBlock">
<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>Retail Loan Portfolio Categorized By Payment Status [Table Text Block]</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;">fisi_RetailLoanPortfolioCategorizedByPaymentStatusTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</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_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock">
<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>Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<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;">us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</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_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock">
<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>Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 55<br> -Paragraph 19<br> -URI http://asc.fasb.org/extlink&amp;oid=32702940&amp;loc=SL6953803-111525<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 29<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953659-111524<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;">us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</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_us-gaap_ImpairedFinancingReceivablesTableTextBlock">
<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>Tabular disclosure of impaired financing receivables.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5212-111524<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;">us-gaap_ImpairedFinancingReceivablesTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</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_us-gaap_LoansAndLeasesReceivableDisclosureAbstract">
<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 );">- References</a><div><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>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5111-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953401-111524<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>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.3,4)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 3, 4<br> -Article 5<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>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of financing receivables and troubled debt restructurings.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 33<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953676-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 34<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953682-111524<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">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6824992512">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Premises And Equipment, Net (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_PropertyPlantAndEquipmentAbstract', window );"><strong>Premises And Equipment, Net [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_us-gaap_PropertyPlantAndEquipmentTextBlock', window );">Major Classes Of Premises And Equipment</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="49%"> </td>
<td width="2%"> </td>
<td width="31%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="8%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Land and land improvements</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,917</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,797</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Buildings and leasehold improvements</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">46,402</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">42,826</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Furniture, fixtures, equipment and vehicles</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">31,868</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">29,853</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Premises and equipment</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">84,187</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">77,476</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Accumulated depreciation and amortization</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(44,742</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(41,082</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Premises and equipment, net</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">39,445</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">36,394</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr></table> </div><span></span>
</td>
</tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><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>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, balances by class of assets, depreciation and depletion expense and method used, including composite depreciation, and accumulated deprecation.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 13<br> -Subparagraph b<br> -Article 5<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>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6822840256">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Goodwill And Other Intangible Assets (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</div></th></tr>
<tr class="re">
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<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_us-gaap_ScheduleOfGoodwillTextBlock', window );">Changes In Carrying Amount Of Goodwill</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="38%"> </td>
<td width="2%"> </td>
<td width="29%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="8%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Banking</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Insurance</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Total</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Balance, January 1, 2014</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48,536</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48,536</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Acquisition</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,617</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,617</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Balance, December 31, 2014</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48,536</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,617</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">61,153</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Impairment</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(751</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(751</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Balance, December 31, 2015</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48,536</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11,866</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">60,402</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr></table> </div><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_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock', window );">Other Intangible Assets</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="44%"> </td>
<td width="2%"> </td>
<td width="31%" align="right"> </td>
<td width="4%" align="right"> </td>
<td width="2%" align="right"> </td>
<td width="3%" align="right"> </td>
<td width="8%" align="right"> </td>
<td width="2%" align="right"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Core deposit intangibles:</font></b></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Gross carrying amount</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td colspan="2" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,042</font></td>
<td align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,042</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Accumulated amortization</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" colspan="2" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,213</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(917</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net book value</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">829</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,125</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization during the year</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">296</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">341</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr><td bgcolor="#c6d9f1" colspan="8">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Other intangibles:</font></b></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Gross carrying amount</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,640</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,640</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Accumulated amortization</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" colspan="2" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(925</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(279</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net book value</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" colspan="2" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,715</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,361</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization during the year</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">646</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">279</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr></table> </div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock', window );">Estimated Core Deposit Intangible Amortization Expense</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="42%"> </td>
<td width="43%"> </td>
<td width="13%"> </td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2016</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">864</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2017</font></td>
<td align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">778</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2018</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">689</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2019</font></td>
<td align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">611</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2020</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">533</font></td></tr></table> </div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract">
<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 );">- References</a><div><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;">us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock">
<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>Tabular disclosure of assets, excluding financial assets and goodwill, lacking physical substance with a finite life, by either major class or business segment.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16323-109275<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16265-109275<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;">us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</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_us-gaap_ScheduleOfGoodwillTextBlock">
<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>Tabular disclosure of goodwill by reportable segment and in total which includes a rollforward schedule.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13854-109267<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;">us-gaap_ScheduleOfGoodwillTextBlock</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock">
<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>Tabular disclosure of the amount of amortization expense expected to be recorded in succeeding fiscal years for finite-lived intangible assets.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16323-109275<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;">us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock</td>
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<td><strong> Balance Type:</strong></td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6806061392">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Deposits (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_DepositsAbstract', window );"><strong>Deposits:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_SummaryOfDepositsTableTextBlock', window );">Summary Of Deposits</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="47%"> </td>
<td width="2%"> </td>
<td width="38%"> </td>
<td width="3%"> </td>
<td width="8%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Noninterest-bearing demand</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">641,972</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">571,260</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Interest-bearing demand</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">523,366</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">490,190</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Savings and money market</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">928,175</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">795,835</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Time deposits, due:</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Within one year</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">450,885</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">395,956</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">One to two years</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">97,059</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">122,819</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Two to three years</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">46,545</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11,448</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Three to five years</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">42,482</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">62,991</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Thereafter</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">47</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">28</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total time deposits</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">637,018</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">593,242</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total deposits</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,730,531</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,450,527</font></td></tr></table> </div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_InterestExpenseByDepositsTypeTableTextBlock', window );">Interest Expense By Deposits Type</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="43%"> </td>
<td width="2%"> </td>
<td width="28%"> </td>
<td width="3%"> </td>
<td width="9%"> </td>
<td width="3%"> </td>
<td width="8%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Interest-bearing demand</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">754</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">607</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">729</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Savings and money market</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,166</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">913</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">978</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Time deposits</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,386</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,846</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,893</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total interest expense on deposits</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,306</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,366</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,600</font></td></tr></table> </div><span></span>
</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_InterestExpenseByDepositsTypeTableTextBlock">
<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>Interest Expense By Deposits Type [Table Text Block]</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;">fisi_InterestExpenseByDepositsTypeTableTextBlock</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Summary Of Deposits [Table Text Block]</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>
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<td><strong> Period Type:</strong></td>
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</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsAbstract">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><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;">us-gaap_DepositsAbstract</td>
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</div></td></tr>
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</body>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6824998640">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Borrowings (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_DebtDisclosureAbstract', window );"><strong>Borrowings [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_us-gaap_ScheduleOfShortTermDebtTextBlock', window );">Summary Of Outstanding Short-Term Borrowings</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="47%"> </td>
<td width="2%"> </td>
<td width="37%"> </td>
<td width="3%"> </td>
<td width="8%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Short-term borrowings:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Short-term FHLB borrowings</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">293,100</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">295,300</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Repurchase agreements</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">39,504</font></td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total short-term borrowings</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">293,100</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">334,804</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Long-term borrowings:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Subordinated notes, net</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">38,990</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total borrowings</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">332,090</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">334,804</font></td></tr></table> </div><span></span>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><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">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of short-term debt arrangements (having initial terms of repayment within one year or the normal operating cycle, if longer) including: (1) description of the short-term debt arrangement; (2) identification of the lender or type of lender; (3) repayment terms; (4) weighted average interest rate; (5) carrying amount of funds borrowed under the specified short-term debt arrangement as of the balance sheet date; (6) description of the refinancing of a short-term obligation when that obligation is excluded from current liabilities in the balance sheet; and (7) amount of a short-term obligation that has been excluded from current liabilities in the balance sheet because of a refinancing of the obligation.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 19<br> -Article 5<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">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6806178368">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Commitments and Contingencies (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_CommitmentsAndContingenciesDisclosureAbstract', window );"><strong>Commitments And Contingencies [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_us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTextBlock', window );">Off-Balance Sheet Commitments</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="49%"> </td>
<td width="23%"> </td>
<td width="12%"> </td>
<td width="4%"> </td>
<td width="10%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commitments to extend credit</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">514,818</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">450,343</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Standby letters of credit</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11,746</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,578</font></td></tr></table> </div><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_us-gaap_ContractualObligationFiscalYearMaturityScheduleTableTextBlock', window );">Leases Future Minimum Payments By Years And In The Aggregate</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="46%"> </td>
<td width="37%"> </td>
<td width="15%"> </td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2016</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,644</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2017</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,271</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2018</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,020</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2019</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">942</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2020</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">810</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Thereafter</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,160</font></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,847</font></td></tr></table> </div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><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>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the aggregate amount of payments due on known contractual obligations for the five years following the date of the latest balance sheet and the combined aggregate amount of maturities of known contractual obligations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 303<br> -Paragraph a<br> -Subparagraph 5<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">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined) which are not recognized in the financial statements (off-balance sheet) because they fail to meet some other criterion for recognition.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=35750535&amp;loc=d3e13467-108611<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=35750535&amp;loc=d3e13433-108611<br></p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6834161808">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Regulatory Matters (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2015</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_RegulatoryMattersAbstract', window );"><strong>Regulatory Matters [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<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_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock', window );">Actual And Required Capital Ratios</a></td>
<td class="text"><div> <div class="MetaData">

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<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
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<td colspan="2" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Minimum Capital</font></b></td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td colspan="2" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Minimum Capital</font></b></td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td style="text-indent: 5px;" colspan="2" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Required to be</font></b></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Required &#8211; Basel III</font></b></td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Required &#8211; Basel III</font></b></td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Considered Well</font></b></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Actual</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Phase-in Schedule</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fully Phased-in</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Capitalized</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Ratio</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Ratio</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Ratio</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Ratio</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Tier 1 leverage:</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Company</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">243,452</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7.41</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">131,506</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">131,506</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">164,382</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Bank</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">265,487</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8.09</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">131,188</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">131,188</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">163,985</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">CET1 capital:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Company</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">226,413</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9.77</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">104,334</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.50</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">162,297</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">150,705</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6.50</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Bank</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">265,487</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11.49</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">103,971</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.50</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">161,733</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">150,180</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6.50</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Tier 1 capital:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Company</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">243,452</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10.50</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">139,112</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">197,076</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8.50</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">185,483</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Bank</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">265,487</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11.49</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">138,628</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">196,389</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8.50</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">184,837</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total&nbsp;capital:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Company</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">309,527</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13.35</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">185,483</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">243,446</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10.50</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">231,854</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Bank</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">292,572</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12.66</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">184,837</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">242,599</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10.50</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">231,046</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The Company's and the Bank's actual and required regulatory capital ratios of December 31, 2014 under the regulatory capital rules then in effect were as follows (in thousands):</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="15%"> </td>
<td width="12%"> </td>
<td width="2%"> </td>
<td width="15%"> </td>
<td width="6%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="6%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Minimum Required</font></b></td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td style="text-indent: 4px;" colspan="2" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Required to be</font></b></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">for Capital</font></b></td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td colspan="2" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Considered Well</font></b></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Actual</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Adequacy Purposes</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Capitalized</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Ratio</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Ratio</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Ratio</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Tier 1 leverage:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Company</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">219,904</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7.35</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">119,722</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">149,653</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Bank</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">215,672</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7.21</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">119,671</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">149,588</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Tier 1 capital:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Company</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">219,904</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10.47</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">83,985</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">125,977</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Bank</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">215,672</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10.28</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">83,889</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">125,834</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total risk-based capital:</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Company</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">246,166</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11.72</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">167,970</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">209,962</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10.00</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Bank</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">241,905</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11.53</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">167,779</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">209,723</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10.00</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr></table></div></div> </div><span></span>
</td>
</tr>
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<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Regulatory Matters [Abstract]</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;">fisi_RegulatoryMattersAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958570-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1G<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958577-112826<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;">us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock</td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825642672">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Shareholders' Equity (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_StockholdersEquityNoteAbstract', window );"><strong>Shareholders' Equity [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_us-gaap_ScheduleOfStockByClassTextBlock', window );">Changes In Shares Of Common Stock</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="46%"> </td>
<td width="28%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="9%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Outstanding</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Treasury</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Issued</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Shares outstanding at beginning of year</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,118,048</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">279,461</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,397,509</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Restricted stock awards issued</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">59,834</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(59,834</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Restricted stock awards forfeited</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3,490</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,490</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Stock options exercised</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18,922</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(18,922</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Treasury stock purchases</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(7,523</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,523</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Stock awards</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,401</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(4,401</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Shares outstanding at end of year</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,190,192</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">207,317</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,397,509</font></td></tr>
<tr><td colspan="6">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Shares outstanding at beginning of year</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,829,355</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">332,242</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,161,597</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Shares issued for the SDN acquisition</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">235,912</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">235,912</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Restricted stock awards issued</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">43,242</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(43,242</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Restricted stock awards forfeited</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(15,441</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">15,441</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Stock options exercised</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">34,082</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(34,082</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Treasury stock purchases</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(9,102</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,102</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Shares outstanding at end of year</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,118,048</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">279,461</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,397,509</font></td></tr></table> </div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of an entity's stock, including par or stated value per share, number and dollar amount of share subscriptions, shares authorized, shares issued, shares outstanding, number and dollar amount of shares held in an employee trust, dividend per share, total dividends, share conversion features, par value plus additional paid in capital, the value of treasury stock and other information necessary to a fair presentation, and EPS information.  Stock by class includes common, convertible, and preferred stocks which are not redeemable or redeemable solely at the option of the issuer. Includes preferred stock with redemption features that are solely within the control of the issuer and mandatorily redeemable stock if redemption is required to occur only upon liquidation or termination of the reporting entity. If more than one issue is outstanding, state the title of each issue and the corresponding dollar amount; dollar amount of any shares subscribed but unissued and the deduction of subscriptions receivable there from; number of shares authorized, issued, and outstanding.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21506-112644<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 480<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=27011957&amp;loc=d3e177068-122764<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21553-112644<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(d),(e))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21475-112644<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6403732&amp;loc=d3e21300-112643<br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21521-112644<br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.28,29)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21484-112644<br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21538-112644<br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21488-112644<br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 30<br> -Article 5<br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29<br> -Article 5<br></p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6827522944">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Accumulated Other Comprehensive Income (Loss) (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</div></th></tr>
<tr class="re">
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<td class="text">&#160;<span></span>
</td>
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<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_us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock', window );">Components Of Other Comprehensive Income (Loss)</a></td>
<td class="text"><div> <div>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="56%"> </td>
<td width="2%"> </td>
<td width="14%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="8%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td width="56%" align="left">&nbsp;</td>
<td width="2%" align="right"><b> </b></td>
<td width="14%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Pre</font></b>-tax</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Net</font></b>-of-tax</font></b></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="56%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="8%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Tax Effect</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="56%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Securities available for sale and transferred securities:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Change in unrealized gain/loss during the period</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,529</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(591</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(938</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Reclassification adjustment for net gains included in net income&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1)</font></sup></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,251</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(868</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,383</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 7px;" bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total securities available for sale and transferred securities</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3,780</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,459</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,321</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Pension and post-retirement obligations:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net actuarial gains (losses) arising during the year</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(887</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(342</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(545</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization of net actuarial loss and prior service cost included in income</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">895</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">345</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">550</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 7px;" bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total pension and post-retirement obligations</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other comprehensive loss</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3,772</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,456</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,316</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr><td width="99%" colspan="10">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="56%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Securities available for sale and transferred securities:</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="14%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Change in unrealized gain/loss during the period</font></td>
<td width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,008</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,549</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,459</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Reclassification adjustment for net gains included in net income&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1)</font></sup></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,478</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(981</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,497</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total securities available for sale and transferred securities</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11,530</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,568</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,962</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Pension and post-retirement obligations:</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="14%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net actuarial gains (losses) arising during the year</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(9,709</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3,846</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(5,863</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization of net actuarial loss and prior service cost included in income</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">128</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">51</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">77</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total pension and post-retirement obligations</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(9,581</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3,795</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(5,786</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other comprehensive income</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,949</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">773</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,176</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr><td bgcolor="#c6d9f1" width="99%" colspan="10">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="56%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Securities available for sale and transferred securities:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Change in unrealized gain/loss during the period</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(34,135</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(13,522</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(20,613</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Reclassification adjustment for net gains included in net income&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1)</font></sup></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,298</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(514</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(784</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total securities available for sale and transferred securities</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(35,433</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(14,036</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(21,397</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Pension and post-retirement obligations:</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="14%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net actuarial gains (losses) arising during the year</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11,860</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,698</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,162</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization of net actuarial loss and prior service cost included in income</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,316</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">521</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">795</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total pension and post-retirement obligations</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,176</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,219</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,957</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="56%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other comprehensive loss</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="14%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(22,257</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(8,817</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(13,440</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="1">(1) </font><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Includes amounts related to the amortization/accretion of unrealized net gains and losses related to the Company's reclassification of available for sale investment securities to the held to maturity category. The unrealized net gains/losses will be amortized/accreted over the remaining life of the investment securities as an adjustment of yield.</font></font></p></div> </div><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_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock', window );">Components Of Accumulated Other Comprehensive Income (Loss)</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="52%"> </td>
<td width="3%"> </td>
<td width="12%"> </td>
<td width="2%"> </td>
<td width="1%"> </td>
<td width="11%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="12%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td width="52%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="12%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Securities</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="12%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="52%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="12%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Available for</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="11%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Pension and</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="12%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Accumulated</font></b></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="52%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="12%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Sale and</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="11%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Post</font></b>-</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="12%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Other</font></b></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="52%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="12%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Transferred</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="11%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">retirement</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="12%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Comprehensive</font></b></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="52%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Securities</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Obligations</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Income (Loss)</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Balance at January 1, 2015</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,625</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(10,636</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(9,011</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other comprehensive income (loss) before reclassifications</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(938</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(545</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,483</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amounts reclassified from accumulated other comprehensive income</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,383</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">550</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(833</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net current period other comprehensive (loss) income</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,321</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,316</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Balance at December 31, 2015</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(696</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(10,631</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(11,327</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr><td bgcolor="#c6d9f1" width="99%" colspan="10">&nbsp;</td></tr>
<tr><td bgcolor="#c6d9f1" width="99%" colspan="10">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Balance at January 1, 2014</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(5,337</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="1%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(4,850</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(10,187</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other comprehensive income (loss) before reclassifications</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,459</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(5,863</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,596</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amounts reclassified from accumulated other comprehensive income</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,497</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">77</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,420</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net current period other comprehensive (loss) income</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,962</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(5,786</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,176</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Balance at December 31, 2014</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,625</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(10,636</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(9,011</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr><td bgcolor="#c6d9f1" width="99%" colspan="10">&nbsp;</td></tr>
<tr><td bgcolor="#c6d9f1" width="99%" colspan="10">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Balance at January 1, 2013</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">16,060</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(12,807</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,253</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other comprehensive income (loss) before reclassifications</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(20,613</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,162</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(13,451</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amounts reclassified from accumulated other comprehensive income</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(784</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">795</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net current period other comprehensive income (loss)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(21,397</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,957</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(13,440</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Balance at December 31, 2013</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(5,337</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="11%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(4,850</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(10,187</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr></table> </div><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_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock', window );">Amounts Reclassified Out Of Each Component Of Accumulated Other Comprehensive Income (Loss)</a></td>
<td class="text"><div> <div>

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<td width="2%"> </td>
<td width="11%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="2%"> </td>
<td width="32%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td colspan="4" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount Reclassified from</font></b></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Details About Accumulated Other</font></b></td>
<td align="right">&nbsp;</td>
<td colspan="4" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Accumulated Other</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Affected Line Item in the</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Comprehensive Income Components</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="4" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Comprehensive Income</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Consolidated Statement of Income</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Realized gain on sale of investment securities</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,988</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,041</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net gain on disposal of investment securities</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization of unrealized holding gains (losses)</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">on investment securities transferred from</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">available for sale to held to maturity</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">263</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">437</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Interest income</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,251</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,478</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total before tax</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(868</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(981</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income tax expense</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,383</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,497</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net of tax</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization of pension and post-retirement items:</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Prior service credit&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1)</font></sup></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Salaries and employee benefits</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net actuarial losses&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1)</font></sup></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(943</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(176</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Salaries and employee benefits</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(895</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(128</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total before tax</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">345</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">51</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income tax benefit</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(550</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(77</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net of tax</font></td></tr>
<tr><td colspan="8">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total reclassified for the period</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">833</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,420</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="1">(1) </font><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">These items are included in the computation of net periodic pension expense. See Note 17 &#8211; Employee Benefit Plans for additional information.</font></font></p></div> </div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of information about items reclassified out of accumulated other comprehensive income (loss).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the components of accumulated other comprehensive income (loss).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14A<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669686-108580<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of components of comprehensive income (loss). Includes, but is not limited to, foreign currency translation adjustments, foreign currency transactions  designated as economic hedges of a net investment in foreign entity, gain (loss) and prior service cost (credit) for pension plans and other postretirement benefit plans.</p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6839568512">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Share-Based Compensation (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2015</div></th></tr>
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<td width="16%"> </td>
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<tr valign="bottom"><td align="left">&nbsp;</td>
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<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Weighted</font></b></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Weighted</font></b></td>
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<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
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<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Average</font></b></td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Remaining</font></b></td>
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<td align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Number of</font></b></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Exercise</font></b></td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Contractual</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Intrinsic</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Options</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Price</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Term</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Value</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Outstanding at beginning of year</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">135,416</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19.25</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Granted</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Exercised</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(18,922</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">18.99</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Forfeited</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Expired</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(14,245</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19.87</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Outstanding and exercisable at end of period</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">102,249</font></td>
<td align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19.21</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1.3 years</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">899</font></td></tr></table> </div><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_us-gaap_ScheduleOfShareBasedCompensationRestrictedStockUnitsAwardActivityTableTextBlock', window );">Summary Of Restricted Stock Award Activity</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="50%"> </td>
<td width="29%"> </td>
<td width="4%"> </td>
<td width="3%"> </td>
<td width="12%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Weighted</font></b></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Average</font></b></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Market</font></b></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Number of</font></b></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Price at</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Shares</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Grant Date</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Outstanding at beginning of year</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">59,113</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17.24</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Granted</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">59,834</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17.66</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Vested</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(32,549</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17.80</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Forfeited</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3,490</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19.32</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Outstanding at end of period</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">82,908</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17.23</font></td></tr></table> </div><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_us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTextBlock', window );">Share-Based Compensation Expense Included In Consolidated Statements Of Income</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="52%"> </td>
<td width="28%"> </td>
<td width="5%"> </td>
<td width="3%"> </td>
<td width="5%"> </td>
<td width="3%"> </td>
<td width="4%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" width="52%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 6px;" width="28%" align="left"><b> </b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b>&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b>&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="4%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b>&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Salaries and employee benefits</font></td>
<td bgcolor="#c6d9f1" width="28%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="5%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">431</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="5%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">270</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="4%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">236</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other noninterest expense</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="28%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">243</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">201</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="4%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">171</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="52%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total share-based compensation expense</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="28%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="5%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">674</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="5%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">471</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="4%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">407</font></td></tr></table> </div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTextBlock">
<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>Tabular disclosure of the allocation of equity-based compensation costs to a given line item on the balance sheet and income statement for the period. This may include the reporting line for the costs and the amount capitalized and expensed.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (h)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5047-113901<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 14.F)<br> -URI http://asc.fasb.org/extlink&amp;oid=27013229&amp;loc=d3e301413-122809<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Staff Accounting Bulletin (SAB)<br> -Number Topic 14<br> -Section F<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;">us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfShareBasedCompensationRestrictedStockUnitsAwardActivityTableTextBlock">
<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>Tabular disclosure of the number and weighted-average grant date fair value for restricted stock units that were outstanding at the beginning and end of the year, and the number of restricted stock units that were granted, vested, or forfeited during the year.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ScheduleOfShareBasedCompensationRestrictedStockUnitsAwardActivityTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<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>Tabular disclosure of the number and weighted-average exercise prices (or conversion ratios) for share options (or share units) that were outstanding at the beginning and end of the year, vested and expected to vest, exercisable or convertible at the end of the year, and the number of share options or share units that were granted, exercised or converted, forfeited, and expired during the year.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6827392864">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Taxes [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_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock', window );">Income Tax Expense (Benefit)</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="40%"> </td>
<td width="2%"> </td>
<td width="30%"> </td>
<td width="3%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="7%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Current tax expense (benefit):</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,720</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,546</font></td>
<td align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,917</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">State</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">21</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(75</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,913</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total current tax expense</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,741</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,471</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,830</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Deferred tax expense (benefit):</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Federal</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,440</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,538</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,251</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">State</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">358</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(384</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">296</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total deferred tax expense</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,798</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,154</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,547</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total income tax expense</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,539</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,625</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,377</font></td></tr></table> </div><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_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock', window );">Income Tax Expense Differed From Statutory Federal Income Tax Rate</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="50%"> </td>
<td width="20%"> </td>
<td width="2%"> </td>
<td width="12%"> </td>
<td width="2%"> </td>
<td width="9%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Statutory federal tax rate</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">35.0</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">35.0</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">35.0</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Increase (decrease) resulting from:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Tax exempt interest income</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(6.1</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(5.1</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(4.8</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Tax credits and adjustments</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(0.7</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3.5</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Non-taxable earnings on company owned life insurance</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1.8</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1.6</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1.6</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">State taxes, net of federal tax benefit</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">0.7</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(0.8</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.8</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Nondeductible expenses</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">0.3</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">0.5</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">0.2</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Goodwill and contingent consideration adjustments</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(0.3</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other, net</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">0.2</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">0.1</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Effective tax rate</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">27.1</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">24.7</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">32.7</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td></tr></table> </div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_IncomeTaxExpenseAllocationTableTextBlock', window );">Income Tax Expense Allocation</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="36%"> </td>
<td width="2%"> </td>
<td width="33%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="8%"> </td>
<td width="3%"> </td>
<td width="7%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income tax expense</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,539</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,625</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,377</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Shareholder's equity</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,456</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">925</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(8,817</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr></table> </div><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_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock', window );">Net Deferred Tax Assets</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="58%"> </td>
<td width="2%"> </td>
<td width="27%"> </td>
<td width="3%"> </td>
<td width="7%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Deferred tax assets:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Allowance for loan losses</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,452</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,666</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Deferred compensation</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">972</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">938</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Investment in limited partnerships</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">954</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">953</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">SERP agreements</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">767</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">704</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Interest on nonaccrual loans</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">615</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">664</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Benefit of tax credit carryforwards</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">502</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">569</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Share-based compensation</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">538</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">565</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net unrealized loss on securities available for sale</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">420</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other than temporary impairment of investment securities</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,917</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">328</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">520</font></td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Gross deferred tax assets</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">15,548</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17,496</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Deferred tax liabilities:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Prepaid pension costs</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,065</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,346</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Intangible assets</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,667</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,662</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Depreciation and amortization</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,004</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,249</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net unrealized gain on securities available for sale</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,039</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loan servicing assets</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">479</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">525</font></td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Gross deferred tax liabilities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,215</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,821</font></td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net deferred tax asset</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,333</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,675</font></td></tr></table> </div><span></span>
</td>
</tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the components of income tax expense attributable to continuing operations for each year presented including, but not limited to: current tax expense (benefit), deferred tax expense (benefit), investment tax credits, government grants, the benefits of operating loss carryforwards, tax expense that results from allocating certain tax benefits either directly to contributed capital or to reduce goodwill or other noncurrent intangible assets of an acquired entity, adjustments of a deferred tax liability or asset for enacted changes in tax laws or rates or a change in the tax status of the entity, and adjustments of the beginning-of-the-year balances of a valuation allowance because of a change in circumstances that causes a change in judgment about the realizability of the related deferred tax asset in future years.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br></p></div>
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<tr>
<td><strong> Name:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the components of net deferred tax asset or liability recognized in an entity's statement of financial position, including the following: the total of all deferred tax liabilities, the total of all deferred tax assets, the total valuation allowance recognized for deferred tax assets.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br></p></div>
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<tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the reconciliation using percentage or dollar amounts of the reported amount of income tax expense attributable to continuing operations for the year to the amount of income tax expense that would result from applying domestic federal statutory tax rates to pretax income from continuing operations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<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">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6808221408">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Earnings Per Common Share (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings Per Common Share [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_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock', window );">Reconciliation Of Earnings And Shares Used In Calculating Basic And Diluted EPS</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="60%"> </td>
<td width="2%"> </td>
<td width="5%"> </td>
<td width="3%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="3%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="60%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b>&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="60%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net income available to common shareholders for EPS</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="5%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">26,875</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">27,893</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">24,064</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="60%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Weighted average common shares outstanding:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="60%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total shares issued</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="5%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,398</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,261</font></td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,162</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="60%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Unvested restricted stock awards</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="5%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(93</font></td>
<td width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(64</font></td>
<td width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(69</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="60%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Treasury shares</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="5%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(224</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(304</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(354</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" width="60%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total basic weighted average common shares outstanding</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="5%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,081</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,893</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,739</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="60%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Incremental shares from assumed:</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="5%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 9px;" width="60%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Exercise of stock options</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="5%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">24</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">26</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 9px;" bgcolor="#c6d9f1" width="60%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Vesting of restricted stock awards</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="5%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">30</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">27</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">32</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" width="60%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total diluted weighted average common shares outstanding</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,135</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,946</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,784</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td></tr>
<tr><td width="99%" colspan="10">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="60%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Basic earnings per common share</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1.91</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2.01</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1.75</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="60%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Diluted earnings per common share</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="5%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1.90</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2.00</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1.75</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td></tr></table> </div><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_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTextBlock', window );">Shares Excluded From Computation Of Diluted EPS</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="31%"> </td>
<td width="32%"> </td>
<td width="32%"> </td>
<td width="4%"> </td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="31%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Stock options</font></td>
<td bgcolor="#c6d9f1" width="32%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></font></td>
<td bgcolor="#c6d9f1" width="32%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">&nbsp;3</font></td>
<td bgcolor="#c6d9f1" width="4%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">122</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="31%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Restricted stock awards</font></td>
<td width="32%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1</font></font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="32%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">&nbsp;1</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="4%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="31%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total</font></td>
<td bgcolor="#c6d9f1" width="32%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1</font></font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="32%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">&nbsp;4</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="4%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">124</font></td></tr></table> </div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareAbstract">
<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 );">- References</a><div><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;">us-gaap_EarningsPerShareAbstract</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of securities (including those issuable pursuant to contingent stock agreements) that could potentially dilute basic earnings per share (EPS) in the future that were not included in the computation of diluted EPS because to do so would increase EPS amounts or decrease loss per share amounts for the period presented, by antidilutive securities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<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;">us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTextBlock</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of an entity's basic and diluted earnings per share calculations, including a reconciliation of numerators and denominators of the basic and diluted per-share computations for income from continuing operations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<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">
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<td><strong> Name:</strong></td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6827094432">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefit Plans (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_DefinedBenefitPensionPlansAndDefinedBenefitPostretirementPlansDisclosureAbstract', window );"><strong>Employee Benefit Plans [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_us-gaap_ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock', window );">Reconciliation Of The Plan's Benefit Obligations, Fair Value Of Assets And The Funded Status</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="52%"> </td>
<td width="2%"> </td>
<td width="29%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="7%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Change in projected benefit obligation:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Projected benefit obligation at beginning of period</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">61,732</font></td>
<td align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48,991</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Service cost</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,324</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,918</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Interest cost</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,328</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,291</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Actuarial (gain) loss</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(4,406</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,938</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Benefits paid and plan expenses</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,746</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,406</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 8px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Projected benefit obligation at end of period</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">59,232</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">61,732</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Change in plan assets:</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fair value of plan assets at beginning of period</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">75,584</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">64,603</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Actual return on plan assets</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(480</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,387</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Employer contributions</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,000</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Benefits paid and plan expenses</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,746</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,406</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 8px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fair value of plan assets at end of period</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">72,358</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">75,584</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Funded status at end of period</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,126</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,852</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr></table> </div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock', window );">Estimated Benefit Payments Under The Pension Plan</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="48%"> </td>
<td width="35%"> </td>
<td width="16%"> </td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2016</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,127</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2017</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,288</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2018</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,346</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2019</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,472</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2020</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,666</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2021 - 2025</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">15,627</font></td></tr></table> </div><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_us-gaap_ScheduleOfNetBenefitCostsTableTextBlock', window );">Components Of Net Periodic Benefit Expense</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="43%"> </td>
<td width="2%"> </td>
<td width="23%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="7%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Service cost</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,324</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,918</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,063</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Interest cost on projected benefit obligation</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,328</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,291</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,017</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Expected return on plan assets</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(4,820</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(4,117</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3,684</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization of unrecognized loss</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">926</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">159</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,344</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization of unrecognized prior service cost</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net periodic pension cost</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">778</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">271</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,760</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr></table> </div><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_us-gaap_ScheduleOfAssumptionsUsedTableTextBlock', window );">Actuarial Assumptions Used</a></td>
<td class="text"><div> <div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The actuarial assumptions used to determine the net periodic pension cost were as follows:</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="42%"> </td>
<td width="28%"> </td>
<td width="2%"> </td>
<td width="12%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Weighted average discount rate</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.86</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.80</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.84</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Rate of compensation increase</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.00</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.00</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.00</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Expected long-term rate of return</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6.50</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6.50</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6.50</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">The actuarial assumptions used to determine the projected benefit obligation were as follows:</font></p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="41%"> </td>
<td width="28%"> </td>
<td width="2%"> </td>
<td width="12%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Weighted average discount rate</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.21</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.86</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4.80</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Rate of compensation increase</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.00</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.00</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.00</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td></tr></table></div></div> </div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_TargetAllocationPercentageOfPlanAssetsAndWeightedAverageExpectedRateOfReturnTableTextBlock', window );">Target Allocation, Percentage Of Plan Assets And Weighted Average Expected Rate Of Return</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="32%"> </td>
<td width="20%"> </td>
<td width="2%"> </td>
<td width="12%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="12%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Weighted</font></b></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Average</font></b></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td align="left">&nbsp;</td>
<td colspan="3" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Percentage of Plan Assets</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Expected</font></b></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td style="text-indent: 2px;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Target</font></b></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="3" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">at December 31,</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Long-term</font></b></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Allocation</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Rate of Return</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Asset category:</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash equivalents</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">0</font></font>&#8211; <font class="_mt">20</font>%</font></font></td>
<td align="left"> </td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5.2</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8.7</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">0.16</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Equity securities</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">40</font></font>&#8211; <font class="_mt">60</font></font></font></td>
<td bgcolor="#c6d9f1" align="left"> </td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">47.2</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48.2</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.97</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fixed income securities</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">40</font></font>&#8211; <font class="_mt">60</font></font></font></td>
<td align="left"> </td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">43.9</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">43.1</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2.01</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other financial instruments</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2"><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">0</font></font>&#8211; <font class="_mt">5</font></font></font></td>
<td bgcolor="#c6d9f1" align="left"> </td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3.7</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">0.28</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr></table> </div><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_us-gaap_ScheduleOfChangesInFairValueOfPlanAssetsTableTextBlock', window );">Changes In Fair Value Of Plan Assets</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="55%"> </td>
<td width="2%"> </td>
<td width="42%"> </td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 3 assets, beginning of year</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Purchases</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,334</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Unrealized gains</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">336</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 3 assets, end of year</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,670</font></td></tr></table> </div><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_us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock', window );">The Major Categories Of Plan Assets Measured At Fair Value On a Recurring Basis</a></td>
<td class="text"><div> <div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="40%"> </td>
<td width="10%"> </td>
<td width="10%"> </td>
<td width="3%"> </td>
<td width="9%"> </td>
<td width="3%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="8%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Level 1</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Level 2</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Level 3</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Total</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Inputs</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Inputs</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Inputs</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fair Value</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash equivalents:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Foreign currencies</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">35</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">35</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Short term investment funds</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,745</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,745</font></td></tr>
<tr valign="bottom"><td style="text-indent: 7px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total cash equivalents</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">35</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,745</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,780</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Equity securities:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Common stock</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,083</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,083</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Depository receipts</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">336</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">336</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commingled pension trust funds</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,557</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,557</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Exchange traded funds</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,190</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,190</font></td></tr>
<tr valign="bottom"><td style="text-indent: 7px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total equity securities</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">23,609</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,557</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">34,166</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fixed income securities:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collateralized mortgage obligations</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">608</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">608</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commingled pension trust funds</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17,889</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17,889</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Corporate bonds</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,440</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,440</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">FHLMC</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">276</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">276</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">FNMA</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,966</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,966</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">GNMA II</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">384</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">384</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government issues</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,180</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,180</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total fixed income securities</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">31,743</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">31,743</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other investments:</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commingled pension trust funds &#8211; Realty</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,670</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,670</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total Plan investments</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">23,644</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">46,045</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,670</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">72,359</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="38%"> </td>
<td width="12%"> </td>
<td width="10%"> </td>
<td width="3%"> </td>
<td width="9%"> </td>
<td width="3%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="8%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Level 1</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Level 2</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Level 3</font></b></td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Total</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Inputs</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Inputs</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Inputs</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fair Value</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash equivalents:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Foreign currencies</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">31</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">31</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government issues</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">249</font></td>
<td align="left">&nbsp;</td>
<td style="text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">249</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Short term investment funds</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,327</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,327</font></td></tr>
<tr valign="bottom"><td style="text-indent: 7px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total cash equivalents</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">31</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,576</font></td>
<td align="left">&nbsp;</td>
<td style="text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,607</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Equity securities:</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Common stock</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,732</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,732</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Depository receipts</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">185</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">185</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commingled pension trust funds</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,802</font></td>
<td align="left">&nbsp;</td>
<td style="text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,802</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Exchange traded funds</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,573</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,573</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Preferred stock</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">140</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">140</font></td></tr>
<tr valign="bottom"><td style="text-indent: 7px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total equity securities</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,630</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,802</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">36,432</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fixed income securities:</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Auto loan receivable</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">330</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">330</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collateralized mortgage obligations</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">682</font></td>
<td align="left">&nbsp;</td>
<td style="text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">682</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Commingled pension trust funds</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">21,083</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">21,083</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Corporate bonds</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,971</font></td>
<td align="left">&nbsp;</td>
<td style="text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,971</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">FHLMC</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">73</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">73</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">FNMA</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,951</font></td>
<td align="left">&nbsp;</td>
<td style="text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,951</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">GNMA II</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">123</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">123</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Government issues</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,139</font></td>
<td align="left">&nbsp;</td>
<td style="text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,139</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other asset backed securities</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">160</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">160</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other securities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">33</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">33</font></td></tr>
<tr valign="bottom"><td style="text-indent: 7px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total fixed income securities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">32,545</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">32,545</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 7px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total Plan investments</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,661</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">49,923</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">75,584</font></td></tr></table></div> </div><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_us-gaap_ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock', window );">Components Of Accumulated Other Comprehensive Loss Related To Defined Benefit Plan And Postretirement Benefit Plan</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="55%"> </td>
<td width="2%"> </td>
<td width="26%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="7%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Defined benefit plan:</font></b></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net actuarial loss</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(17,715</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(17,747</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Prior service cost</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(32</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(52</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(17,747</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(17,799</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Postretirement benefit plan:</font></b></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net actuarial loss</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(162</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(186</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Prior service credit</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">304</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">372</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">142</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">186</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(17,605</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(17,613</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Deferred tax benefit</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,974</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,977</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amounts included in accumulated other comprehensive loss</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(10,631</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(10,636</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr></table> </div><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_us-gaap_ScheduleOfAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock', window );">Changes In Plan Assets And Benefit Obligations Recognized In Other Comprehensive Loss</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="52%"> </td>
<td width="25%"> </td>
<td width="4%"> </td>
<td width="2%"> </td>
<td width="3%"> </td>
<td width="8%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" align="left"><b> </b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;<b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Defined benefit plan:</font></b></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net actuarial (loss) gain</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(894</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(9,669</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization of net loss</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">926</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">159</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization of prior service cost</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">52</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(9,490</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Postretirement benefit plan:</font></b></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net actuarial (loss) gain</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(40</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization of net loss</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17</font></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Amortization of prior service credit</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(68</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(68</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(44</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(91</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total recognized in other comprehensive income</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(9,581</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr></table> </div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_TargetAllocationPercentageOfPlanAssetsAndWeightedAverageExpectedRateOfReturnTableTextBlock">
<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>Target Allocation, Percentage Of Plan Assets And Weighted Average Expected Rate Of Return [Table Text Block]</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">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fisi_TargetAllocationPercentageOfPlanAssetsAndWeightedAverageExpectedRateOfReturnTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</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_us-gaap_DefinedBenefitPensionPlansAndDefinedBenefitPostretirementPlansDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the major categories of plan assets of pension plans and/or other employee benefit plans.  This information may include, but is not limited to, the target allocation of plan assets, the fair value of each major category of plan assets, and the level within the fair value hierarchy in which the fair value measurements fall.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(5)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the amounts related to pension plans and/or other employee benefit plans in accumulated other comprehensive income (loss) expected to be recognized as components of net periodic benefit cost over the next fiscal year, including the net gain (loss), net prior service cost or credit, and net transition asset or obligation.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (s)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the net gain (loss) and net prior service cost or credit recognized in other comprehensive income (loss) for the period for pension plans and/or other employee benefit plans, and reclassification adjustments of other comprehensive income (loss) for the period, as those amounts, including amortization of the net transition asset or obligation, are recognized as components of net periodic benefit cost.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_ScheduleOfAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the assumptions used to determine for pension plans and/or other employee benefit plans the benefit obligation and net benefit cost, including assumed discount rates, rate increase in compensation increase, and expected long-term rates of return on plan assets.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (k)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_ScheduleOfAssumptionsUsedTableTextBlock</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the aggregate benefit obligation and aggregate fair value of plan assets for pension plans and/or other employee benefit plans with benefit obligations in excess of plan assets as of the measurement date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e2417-114920<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">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the reconciliation of beginning and ending balances of the fair value of plan assets of pension plans and/or other employee benefit plans showing separately, if applicable, the effects during the period attributable to each of the following: actual return on plan assets, foreign currency exchange rate changes, contributions by the employer, contributions by plan participants, benefits paid, business combinations, divestitures, and settlements.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_ScheduleOfChangesInFairValueOfPlanAssetsTableTextBlock</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of benefits expected to be paid by pension plans and/or other employee benefit plans in each of the next five fiscal years and in the aggregate for the five fiscal years thereafter.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br></p></div>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the components of net benefit costs for pension plans and/or other employee benefit plans including service cost, interest cost, expected return on plan assets, gain (loss), prior service cost or credit, transition asset or obligation, and gain (loss) recognized due to settlements or curtailments.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br></p></div>
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<td style="white-space:nowrap;">us-gaap_ScheduleOfNetBenefitCostsTableTextBlock</td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6834301600">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair Value Measurements (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2015</div></th></tr>
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<td width="7%"> </td>
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<td width="1%"> </td>
<td width="2%"> </td>
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<td width="12%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Quoted Prices</font></b></td>
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<td width="7%" align="left">&nbsp;</td>
<td width="3%" align="right">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="58%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="12%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">in Active</font></b></td>
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<td width="7%" align="left">&nbsp;</td>
<td width="3%" align="right">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="58%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="12%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Markets for</font></b></td>
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<td width="1%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
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<td width="2%" align="left">&nbsp;</td>
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<td width="8%" align="left">&nbsp;</td></tr>
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<td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(Level 1)</font></b></td>
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<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(Level 2)</font></b></td>
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<td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="left">&nbsp;<b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">(Level 3)</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Total</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="58%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Measured on a recurring basis:</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Securities available for sale:</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">U.S. Government agencies and government sponsored enterprises</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">260,863</font></td>
<td width="3%" align="right">&nbsp;<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">260,863</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage-backed securities</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">283,314</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">283,314</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Asset-backed securities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">218</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">218</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="58%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">544,395</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">544,395</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Measured on a nonrecurring basis:</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans:</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans held for sale</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,430</font></td>
<td width="3%" align="right">&nbsp;<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,430</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collateral dependent impaired loans</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,485</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,485</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other assets:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loan servicing rights</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,241</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,241</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other real estate owned</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">163</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">163</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="58%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,430</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,889</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,319</font></td></tr>
<tr><td bgcolor="#c6d9f1" width="99%" colspan="9">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="58%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Measured on a recurring basis:</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Securities available for sale:</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">U.S. Government agencies and government sponsored enterprises</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">160,475</font></td>
<td width="3%" align="right">&nbsp;<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">160,475</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Mortgage-backed securities</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">461,788</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">461,788</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Asset-backed securities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">231</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">231</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="58%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="6%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">622,494</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="3%" align="right">&nbsp;<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">622,494</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Measured on a nonrecurring basis:</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans:</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans held for sale</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td width="6%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">755</font></td>
<td width="3%" align="right">&nbsp;<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">755</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collateral dependent impaired loans</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,652</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,652</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other assets:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loan servicing rights</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="6%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="3%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,359</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,359</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="58%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other real estate owned</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">194</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">194</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="58%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="6%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="7%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">755</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="3%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="1%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,205</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" width="8%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,960</font></td></tr></table> </div><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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock', window );">Additional Quantitative Information About Assets Measured At Fair Value On A Recurring And Non-Recurring Basis</a></td>
<td class="text"><div> <div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="27%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="20%"> </td>
<td width="24%"> </td>
<td width="18%"> </td></tr>
<tr valign="bottom"><td width="27%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fair</font></b></td>
<td width="20%" align="left">&nbsp;</td>
<td width="24%" align="left">&nbsp;</td>
<td width="18%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Unobservable Input</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="27%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Asset</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Value</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="20%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Valuation Technique</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 7px;" width="24%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Unobservable Input</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="18%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Value or Range</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="27%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Collateral dependent impaired loans</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,485</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="20%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Appraisal of collateral&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1)</font></sup></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="24%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Appraisal adjustments&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2)</font></sup></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="18%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">0% - 100% discount</font></td></tr>
<tr><td bgcolor="#c6d9f1" width="99%" colspan="6">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="27%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loan servicing rights</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,241</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="20%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Discounted cash flow</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="24%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Discount rate</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="18%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5.0<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3)</font></sup></font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="27%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="8%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="20%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="24%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Constant prepayment rate</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="18%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12.4<font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">%&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3)</font></sup></font></td></tr>
<tr><td bgcolor="#c6d9f1" width="99%" colspan="6">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="27%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other real estate owned</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="8%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">163</font></td>
<td bgcolor="#c6d9f1" width="20%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Appraisal of collateral&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1)</font></sup></td>
<td bgcolor="#c6d9f1" width="24%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Appraisal adjustments&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2)</font></sup></td>
<td bgcolor="#c6d9f1" width="18%" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9% - 58% discount</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1) </font></sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are not identifiable.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2) </font></sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.</font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3) </font></sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Weighted averages.</font></p> </div><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_us-gaap_FairValueByBalanceSheetGroupingTextBlock', window );">Carrying Amount, Estimated Fair Value, And Placement In Fair Value Hierarchy Of Financial Instruments</a></td>
<td class="text"><div> <div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="28%"> </td>
<td width="20%"> </td>
<td width="2%"> </td>
<td width="12%"> </td>
<td width="1%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="11%"> </td>
<td width="1%"> </td>
<td width="8%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td style="text-indent: 3px;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Level in</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="2" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="3" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fair Value</font></b></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Estimated</font></b></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Estimated</font></b></td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Measurement</font></b></td>
<td align="right">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Carrying</font></b></td>
<td align="left">&nbsp;</td>
<td style="text-indent: 3px;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fair</font></b></td>
<td align="right">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Carrying</font></b></td>
<td align="left">&nbsp;</td>
<td style="text-indent: 3px;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Fair</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Hierarchy</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Value</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Amount</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Value</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Financial assets:</font></b></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash and cash equivalents</font></td>
<td align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 1</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">60,121</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">60,121</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">58,151</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">58,151</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Securities available for sale</font></td>
<td bgcolor="#c6d9f1" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 2</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">544,395</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">544,395</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">622,494</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">622,494</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Securities held to maturity</font></td>
<td align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 2</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">485,717</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">490,064</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">294,438</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">298,695</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans held for sale</font></td>
<td bgcolor="#c6d9f1" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 2</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,430</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,430</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">755</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">755</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans</font></td>
<td align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 2</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,055,192</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,046,235</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,881,713</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,887,959</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Loans&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1)</font></sup></td>
<td bgcolor="#c6d9f1" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 3</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,485</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,485</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,652</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,652</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Accrued interest receivable</font></td>
<td align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 1</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,609</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,609</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,104</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">8,104</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">FHLB and FRB stock</font></td>
<td bgcolor="#c6d9f1" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 2</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19,991</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19,991</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19,014</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19,014</font></td></tr>
<tr><td colspan="10">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Financial liabilities:</font></b></td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Non-maturity deposits</font></td>
<td bgcolor="#c6d9f1" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 1</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,093,513</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,093,513</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,857,285</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,857,285</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Time deposits</font></td>
<td align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 2</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">637,018</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">636,159</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">593,242</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">593,793</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Short-term borrowings</font></td>
<td bgcolor="#c6d9f1" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 1</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">293,100</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">293,100</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">334,804</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">334,804</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Long-term borrowings</font></td>
<td align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 2</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">38,990</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">40,313</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Accrued interest payable</font></td>
<td bgcolor="#c6d9f1" align="center"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Level 1</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,676</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,676</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,862</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,862</font></td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1) </font></sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Comprised of collateral dependent impaired loans.</font></p> </div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the inputs and valuation techniques used to measure fair value, and a discussion of changes in valuation techniques and related inputs, if any, applied during the period to each separate class of assets, liabilities, and financial instruments classified in shareholders' equity that are measured on a recurring and/or nonrecurring basis.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)<br> -URI http://asc.fasb.org/extlink&amp;oid=36462937&amp;loc=d3e19207-110258<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of assets, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, by class that are measured at fair value on a recurring and/or nonrecurring basis. The disclosures contemplated herein include the fair value measurements at the reporting date by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=36462937&amp;loc=d3e19190-110258<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a),(b)<br> -URI http://asc.fasb.org/extlink&amp;oid=36462937&amp;loc=d3e19207-110258<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=35750535&amp;loc=d3e13476-108611<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=36462937&amp;loc=d3e19207-110258<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=35750535&amp;loc=d3e13467-108611<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6447952&amp;loc=d3e13220-108610<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6957238&amp;loc=d3e14172-108612<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=35750535&amp;loc=d3e13433-108611<br></p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6824984256">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Parent Company Financial Information (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</div></th></tr>
<tr class="re">
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<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_us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock', window );">Condensed Statements Of Condition</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="58%"> </td>
<td width="2%"> </td>
<td width="28%"> </td>
<td width="2%"> </td>
<td width="7%"> </td></tr>
<tr valign="bottom"><td align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Condensed Statements of Condition</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="3" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">December 31,</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Assets:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash and due from subsidiary</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">15,787</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,559</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Investment in and receivables due from subsidiary</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">318,928</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">273,237</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other assets</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,451</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,433</font></td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total assets</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">339,166</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">286,229</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Liabilities and shareholders' equity:</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Long-term borrowings, net of issuance costs of $<font class="_mt">1,010</font></font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">38,990</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other liabilities</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,332</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,697</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Shareholders' equity</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">293,844</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">279,532</font></td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total liabilities and shareholders' equity</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">339,166</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">286,229</font></td></tr></table> </div><span></span>
</td>
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<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_us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock', window );">Condensed Statements Of Income</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="54%"> </td>
<td width="2%"> </td>
<td width="19%"> </td>
<td width="2%"> </td>
<td width="11%"> </td>
<td width="4%"> </td>
<td width="4%"> </td></tr>
<tr valign="bottom"><td align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Condensed Statements of Income</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="4" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Years ended December 31,</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 4px;" colspan="2" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Dividends from subsidiary and associated companies</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">16,000</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20,920</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">15,000</font></td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Management and service fees from subsidiary</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">599</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">417</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">368</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other income</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,175</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">74</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">71</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total income</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17,774</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">21,411</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">15,439</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Interest expense</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,750</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Operating expenses</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,509</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,437</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,906</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total expense</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,259</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,437</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,906</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income before income tax benefit and equity in undistributed</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">earnings of subsidiary</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,515</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">17,974</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,533</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income tax benefit</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,814</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,120</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,020</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income before equity in undistributed earnings of subsidiary</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,329</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19,094</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,553</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Equity in undistributed earnings of subsidiary</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,008</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">10,261</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11,977</font></td></tr>
<tr valign="bottom"><td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net income</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">28,337</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">29,355</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,530</font></td></tr></table> </div><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_us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock', window );">Condensed Statements Of Cash Flows</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="48%"> </td>
<td width="2%"> </td>
<td width="18%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Condensed Statements of Cash Flows</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="7" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Years ended December 31,</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">2013</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash flows from operating activities:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net income</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">28,337</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">29,355</font></td>
<td align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,530</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Adjustments to reconcile net income to net cash provided</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">by operating activities:</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Equity in undistributed earnings of subsidiary</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(14,008</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(10,261</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(11,977</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Depreciation and amortization</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">97</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">47</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Share-based compensation</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">674</font></td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">471</font></td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">407</font></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(Increase) decrease in other assets</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,069</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,661</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">166</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 6px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Decrease in other liabilities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(258</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(5,717</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(17</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net cash provided by operating activities</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">13,773</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">19,557</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">14,156</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash flows from investing activities:</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Capital investment in Five Star Bank</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(34,000</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net cash paid for acquisition</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(7,995</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net cash used in investing activities</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(34,000</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(7,995</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash flows from financing activities:</font></td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Issuance of long-term debt, net of issuance costs</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">38,940</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Purchase of preferred and common shares</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(202</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(196</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(360</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Proceeds from stock options exercised</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">359</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">667</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">448</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Dividends paid</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(12,721</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(11,984</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="right">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(11,218</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">79</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(118</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 10px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net cash provided by (used in) financing activities</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">26,455</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(11,513</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(11,248</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 10px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net increase&nbsp;in cash and cash equivalents</font></td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,228</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">49</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,908</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash and cash equivalents as of beginning of year</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,559</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,510</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,602</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Cash and cash equivalents as of end of the year</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">15,787</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,559</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">9,510</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr></table> </div><span></span>
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<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>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of condensed balance sheet, including, but not limited to, balance sheets of consolidated entities and consolidation eliminations.</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">
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<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">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of condensed income statement, including, but not limited to, income statements of consolidated entities and consolidation eliminations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6808561488">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Segment Reporting (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2015</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_us-gaap_SegmentReportingAbstract', window );"><strong>Segment Reporting [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<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_us-gaap_ReconciliationOfAssetsFromSegmentToConsolidatedTextBlock', window );">Business Segment Assets</a></td>
<td class="text"><div> <table cellspacing="0" border="0">
<tr><td width="33%"> </td>
<td width="2%"> </td>
<td width="27%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="12%"> </td></tr>
<tr valign="bottom"><td width="33%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="27%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="10%" align="center"><b> </b></td>
<td width="2%" align="left">&nbsp;<b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Holding</font></b></td>
<td width="2%" align="right">&nbsp;</td>
<td width="12%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="33%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="27%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="10%" align="right"><b> </b></td>
<td width="2%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Company and</font></b>&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="12%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Consolidated</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" width="33%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="27%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Banking</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Insurance</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="center"><b> </b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;<b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Other</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Totals</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="33%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">December 31, 2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="27%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" width="12%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="33%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Goodwill</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="27%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48,536</font></td>
<td width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">11,866</font></td>
<td width="10%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">60,402</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="33%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other intangible assets, net</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="27%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">829</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">5,715</font></td>
<td bgcolor="#c6d9f1" width="10%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,544</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="33%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total assets</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="27%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,356,987</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20,315</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"> </td>
<td width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,722</font>&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,381,024</font></td></tr>
<tr><td width="100%" colspan="9">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" width="33%" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">December 31, 2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="27%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="33%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Goodwill</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="27%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">48,536</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">12,617</font></td>
<td bgcolor="#c6d9f1" width="10%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">61,153</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="33%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Other intangible assets, net</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="27%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,125</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">6,361</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">7,486</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" width="33%" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Total assets</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="27%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,065,109</font></td>
<td bgcolor="#c6d9f1" width="2%" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" width="10%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">20,368</font></td>
<td bgcolor="#c6d9f1" width="10%" align="right"> </td>
<td bgcolor="#c6d9f1" width="2%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,044</font></td>
<td bgcolor="#c6d9f1" width="2%" align="right">&nbsp;</td>
<td bgcolor="#c6d9f1" width="12%" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">3,089,521</font></td></tr></table> </div><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_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTextBlock', window );">Business Segment Profit (Loss)</a></td>
<td class="text"><div> <div>

<div style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">

<table cellspacing="0" border="0">
<tr><td width="33%"> </td>
<td width="12%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="1%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="9%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Holding</font></b></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Company and</font></b></td>
<td align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Consolidated</font></b></td>
<td align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Banking</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Insurance</font></b><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1)</font></sup></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Other</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="center"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Totals</font></b></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Year ended December 31, 2015</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net interest income (expense)</font></td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">97,063</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,750</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">95,313</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Provision for loan losses</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(7,381</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(7,381</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Noninterest income</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">24,734</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">4,969</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">634</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">30,337</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Noninterest expense&nbsp;</font><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2)</font></sup></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(71,599</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(5,426</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,368</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(79,393</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income (loss) before income taxes</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">42,817</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(457</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(3,484</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">38,876</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income tax (expense) benefit</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(12,230</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(121</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,812</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(10,539</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net income (loss)</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">30,587</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(578</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,672</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">28,337</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr><td colspan="13">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><b><font class="_mt" style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" size="2">Year ended December 31, 2014</font></b></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net interest income</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">93,774</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">93,774</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Provision for loan losses</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(7,789</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">-</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(7,789</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Noninterest income</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">23,602</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">2,073</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(325</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">25,350</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Noninterest expense</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(67,857</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,877</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,621</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(72,355</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr valign="bottom"><td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income (loss) before income taxes</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">41,730</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">196</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2,946</font></td>
<td bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">38,980</font></td>
<td bgcolor="#c6d9f1" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Income tax (expense) benefit</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(10,735</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(9</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">1,119</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(9,625</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td></tr>
<tr><td colspan="13">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Net income (loss)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">30,995</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">187</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1,827</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">)</font></td>
<td style="border-bottom: rgb(0,0,0) 1px solid;" bgcolor="#c6d9f1" align="left"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">$</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="right"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">29,355</font></td>
<td style="border-bottom: rgb(0,0,0) 3px double;" bgcolor="#c6d9f1" align="left">&nbsp;</td></tr></table></div>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); font: medium 'Times New Roman'; margin: 0px; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;">&nbsp;</p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(1) </font></sup><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Reflects activity from SDN since August 1, 2014, the date of acquisition.</font></font></p>

<p style="white-space: normal; word-spacing: 0px; text-transform: none; color: rgb(0,0,0); text-align: left; font: medium 'Times New Roman'; widows: 1; letter-spacing: normal; text-indent: 0px; -webkit-text-stroke-width: 0px;"><sup><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">(2) </font></sup><font class="_mt"><font class="_mt" style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" size="2">Insurance segment includes goodwill impairment of $<font class="_mt">751</font> thousand</font></font></p></div> </div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ReconciliationOfAssetsFromSegmentToConsolidatedTextBlock">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of all significant reconciling items in the reconciliation of total assets from reportable segments to the entity's consolidated assets.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8906-108599<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 31<br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8924-108599<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">
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<td style="white-space:nowrap;">us-gaap_ReconciliationOfAssetsFromSegmentToConsolidatedTextBlock</td>
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<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>Tabular disclosure of  all significant reconciling items in the reconciliation of total profit or loss from reportable segments, to the entity's consolidated income before income taxes, extraordinary items, and discontinued operations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 31<br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8924-108599<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8906-108599<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>
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<td style="white-space:nowrap;">us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTextBlock</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SegmentReportingAbstract">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><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;">us-gaap_SegmentReportingAbstract</td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6846114752">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary Of Significant Accounting Policies (Narrative) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</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_fisi_SignificantAccountingPoliciesLineItems', window );"><strong>Significant Accounting Policies [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_DaysPastDueWhenLoansAreGenerallyPlacedOnNonaccrualStatusInDays', window );">Days past due when loans are generally placed on nonaccrual status, in days</a></td>
<td class="text">90 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_DaysPastDueWhenLoansAreGenerallyChargedOffInFullInDays', window );">Days past due when loans are generally charged-off in full, in days</a></td>
<td class="text">120 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_GeneralPeriodAfterLoansBecomeCurrentAccrualStatusReturnedInMonths', window );">General period after loans become current, accrual status returned, in months</a></td>
<td class="text">6 months<span></span>
</td>
<td class="text">&#160;<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_us-gaap_OtherRealEstate', window );">Other real estate owned</a></td>
<td class="nump">$ 163<span></span>
</td>
<td class="nump">$ 194<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_NumberOfYearsUsedForCompensationCalculation', window );">Number of consecutive years used for compensation calculation</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FederalHomeLoanBankStock', window );">FHLB stock</a></td>
<td class="nump">$ 15,100<span></span>
</td>
<td class="nump">15,100<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_us-gaap_FederalReserveBankStock', window );">FRB stock</a></td>
<td class="nump">4,900<span></span>
</td>
<td class="nump">3,900<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_us-gaap_EquityMethodInvestmentSummarizedFinancialInformationAssets', window );">Equity method investments, asset amount</a></td>
<td class="nump">$ 5,000<span></span>
</td>
<td class="nump">$ 4,900<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MinimumMember', window );">Minimum [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_fisi_SignificantAccountingPoliciesLineItems', window );"><strong>Significant Accounting Policies [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_DebtOutstandingOriginalTermInYears', window );">Standby letters of credit outstanding original term, in years</a></td>
<td class="text">1 year<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_LossRateLookBackPeriod', window );">Loss rate look-back period</a></td>
<td class="text">24 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_LossEmergencePeriod', window );">Loss emergence period</a></td>
<td class="text">12 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MinimumMember', window );">Minimum [Member] | Building And Building Improvements [Member]</a></td>
<td class="text">&#160;<span></span>
</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_fisi_SignificantAccountingPoliciesLineItems', window );"><strong>Significant Accounting Policies [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Premise and equipment, estimated useful lives, in years</a></td>
<td class="text">15 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MinimumMember', window );">Minimum [Member] | Software Furniture And Equipment [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_fisi_SignificantAccountingPoliciesLineItems', window );"><strong>Significant Accounting Policies [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Premise and equipment, estimated useful lives, in years</a></td>
<td class="text">3 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MaximumMember', window );">Maximum [Member]</a></td>
<td class="text">&#160;<span></span>
</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_fisi_SignificantAccountingPoliciesLineItems', window );"><strong>Significant Accounting Policies [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_DebtOutstandingOriginalTermInYears', window );">Standby letters of credit outstanding original term, in years</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_LossRateLookBackPeriod', window );">Loss rate look-back period</a></td>
<td class="text">48 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_LossEmergencePeriod', window );">Loss emergence period</a></td>
<td class="text">24 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MaximumMember', window );">Maximum [Member] | Building And Building Improvements [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_fisi_SignificantAccountingPoliciesLineItems', window );"><strong>Significant Accounting Policies [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Premise and equipment, estimated useful lives, in years</a></td>
<td class="text">39 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MaximumMember', window );">Maximum [Member] | Software Furniture And Equipment [Member]</a></td>
<td class="text">&#160;<span></span>
</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_fisi_SignificantAccountingPoliciesLineItems', window );"><strong>Significant Accounting Policies [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Premise and equipment, estimated useful lives, in years</a></td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_OtherIntangibleAssetsMember', window );">Other Intangible Assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_fisi_SignificantAccountingPoliciesLineItems', window );"><strong>Significant Accounting Policies [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FiniteLivedIntangibleAssetUsefulLife', window );">Estimated average life</a></td>
<td class="text">20 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_CoreDepositsMember', window );">Core Deposits [Member]</a></td>
<td class="text">&#160;<span></span>
</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_fisi_SignificantAccountingPoliciesLineItems', window );"><strong>Significant Accounting Policies [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FiniteLivedIntangibleAssetUsefulLife', window );">Estimated average life</a></td>
<td class="text">9 years 6 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_DaysPastDueWhenLoansAreGenerallyChargedOffInFullInDays">
<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>Days Past Due When Loans Are Generally Charged-Off In Full, In Days</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;">fisi_DaysPastDueWhenLoansAreGenerallyChargedOffInFullInDays</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_DaysPastDueWhenLoansAreGenerallyPlacedOnNonaccrualStatusInDays">
<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>Days Past Due When Loans Are Generally Placed On Nonaccrual Status, In Days</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;">fisi_DaysPastDueWhenLoansAreGenerallyPlacedOnNonaccrualStatusInDays</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_fisi_DebtOutstandingOriginalTermInYears">
<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>Debt Outstanding Original Term, In Years</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;">fisi_DebtOutstandingOriginalTermInYears</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_fisi_GeneralPeriodAfterLoansBecomeCurrentAccrualStatusReturnedInMonths">
<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>General Period After Loans Become Current, Accrual Status Returned, In Months</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;">fisi_GeneralPeriodAfterLoansBecomeCurrentAccrualStatusReturnedInMonths</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_fisi_LossEmergencePeriod">
<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>Loss Emergence Period</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;">fisi_LossEmergencePeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_fisi_LossRateLookBackPeriod">
<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>Loss Rate Look-Back Period</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;">fisi_LossRateLookBackPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_fisi_NumberOfYearsUsedForCompensationCalculation">
<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>Number of Years Used for Compensation Calculation</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;">fisi_NumberOfYearsUsedForCompensationCalculation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_fisi_SignificantAccountingPoliciesLineItems">
<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>Significant Accounting Policies [Line Items]</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;">fisi_SignificantAccountingPoliciesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</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_us-gaap_EquityMethodInvestmentSummarizedFinancialInformationAssets">
<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 amount of assets reported by an equity method investment of the entity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6382943&amp;loc=d3e33918-111571<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=6957238&amp;loc=d3e14064-108612<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(g))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6382943&amp;loc=d3e33912-111571<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph w<br> -Article 1<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph bb<br> -Article 1<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 08<br> -Paragraph g<br> -Subparagraph 1, 2<br> -Article 4<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;">us-gaap_EquityMethodInvestmentSummarizedFinancialInformationAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankStock">
<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>Federal Home Loan Bank (FHLB) stock represents an equity interest in a FHLB. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 325<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6478792&amp;loc=d3e63345-112809<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;">us-gaap_FederalHomeLoanBankStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalReserveBankStock">
<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>Federal Reserve Bank stock represents an equity interest in the Federal Reserve Bank. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 325<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6478792&amp;loc=d3e63345-112809<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;">us-gaap_FederalReserveBankStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FiniteLivedIntangibleAssetUsefulLife">
<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>Useful life of finite-lived intangible assets, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</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;">us-gaap_FiniteLivedIntangibleAssetUsefulLife</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_us-gaap_OtherRealEstate">
<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>Carrying amount of other real estate not separately disclosed, including, but not limited to, real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. This does not include real estate assets taken in settlement of troubled loans through surrender or foreclosure.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.10(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<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;">us-gaap_OtherRealEstate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentUsefulLife">
<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>Useful life of long lived, physical assets used in the normal conduct of business and not intended for resale, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Examples include, but not limited to, land, buildings, machinery and equipment, office equipment, furniture and fixtures, and computer equipment.</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;">us-gaap_PropertyPlantAndEquipmentUsefulLife</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_us-gaap_RangeAxis=us-gaap_MinimumMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingAndBuildingImprovementsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingAndBuildingImprovementsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=fisi_SoftwareFurnitureAndEquipmentMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=fisi_SoftwareFurnitureAndEquipmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RangeAxis=us-gaap_MaximumMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_OtherIntangibleAssetsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_OtherIntangibleAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_CoreDepositsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6827635744">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary Of Significant Accounting Policies (Summary Of Supplemental Cash Flow Information) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_AccountingPoliciesAbstract', window );"><strong>Summary Of Significant Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_InterestPaidNet', window );">Interest expense</a></td>
<td class="nump">$ 9,323<span></span>
</td>
<td class="nump">$ 6,826<span></span>
</td>
<td class="nump">$ 7,750<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_us-gaap_IncomeTaxesPaidNet', window );">Income taxes</a></td>
<td class="nump">7,494<span></span>
</td>
<td class="nump">13,665<span></span>
</td>
<td class="nump">8,095<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_us-gaap_TransferToOtherRealEstate', window );">Real estate and other assets acquired in settlement of loans</a></td>
<td class="nump">374<span></span>
</td>
<td class="nump">394<span></span>
</td>
<td class="nump">726<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_DividendsAccruedAndDeclaredButNotYetPaid', window );">Accrued and declared unpaid dividends</a></td>
<td class="nump">3,185<span></span>
</td>
<td class="nump">3,177<span></span>
</td>
<td class="nump">2,981<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_IncreaseInNetUnsettledSecurityTransactions', window );">Increase (decrease) in net unsettled security purchases</a></td>
<td class="num">(478)<span></span>
</td>
<td class="nump">568<span></span>
</td>
<td class="num">(51,112)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_SecuritiesTransferredFromAvailableForSaleToHeldToMaturity', window );">Securities transferred from available for sale to held to maturity</a></td>
<td class="nump">$ 165,238<span></span>
</td>
<td class="nump">12,802<span></span>
</td>
<td class="nump">227,330<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_LoansTransferredFromHeldForSaleToHeldForInvestment', window );">Loans transferred from held for sale to held for investment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">853<span></span>
</td>
<td class="nump">$ 3,727<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_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable', window );">Common stock issued for acquisition</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5,400<span></span>
</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_us-gaap_NoncashOrPartNoncashAcquisitionValueOfAssetsAcquired1', window );">Loans and other non-cash assets, excluding goodwill and core deposit intangible asset</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,007<span></span>
</td>
<td class="text">&#160;<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_us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1', window );">Deposits and other liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,112<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_DividendsAccruedAndDeclaredButNotYetPaid">
<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>Future cash outflow to pay dividends that have been accrued and declared.</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;">fisi_DividendsAccruedAndDeclaredButNotYetPaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_IncreaseInNetUnsettledSecurityTransactions">
<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>Increase in net unsettled security transactions.</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;">fisi_IncreaseInNetUnsettledSecurityTransactions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_LoansTransferredFromHeldForSaleToHeldForInvestment">
<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>Loans transferred from held for sale to held for investment.</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;">fisi_LoansTransferredFromHeldForSaleToHeldForInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_fisi_SecuritiesTransferredFromAvailableForSaleToHeldToMaturity">
<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>Securities transferred from available for sale to held to maturity.</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;">fisi_SecuritiesTransferredFromAvailableForSaleToHeldToMaturity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_AccountingPoliciesAbstract">
<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 );">- References</a><div><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;">us-gaap_AccountingPoliciesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable">
<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>Amount of equity interests of the acquirer, including instruments or interests issued or issuable in consideration for the business combination.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 30<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=6911251&amp;loc=d3e6578-128477<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 30<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=6911251&amp;loc=d3e6613-128477<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;">us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_IncomeTaxesPaidNet">
<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 amount of cash paid during the current period to foreign, federal, state, and local authorities as taxes on income, net of any cash received during the current period as refunds for the overpayment of taxes.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4297-108586<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;">us-gaap_IncomeTaxesPaidNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_InterestPaidNet">
<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 amount of cash paid for interest during the period net of cash paid for interest that is capitalized.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4297-108586<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;">us-gaap_InterestPaidNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<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 value of an asset or business acquired in a noncash (or part noncash) acquisition. Noncash is defined as information about all investing and financing activities of an enterprise during a period that affect recognized assets or liabilities but that do not result in cash receipts or cash payments in the period. "Part noncash" refers to that portion of the transaction not resulting in cash receipts or cash payments in the period.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4313-108586<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4332-108586<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4304-108586<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;">us-gaap_NoncashOrPartNoncashAcquisitionValueOfAssetsAcquired1</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<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 total amount of [all] liabilities that an Entity assumes in acquiring a business or in consideration for an asset received in a noncash (or part noncash) acquisition. Noncash is defined as transactions during a period that affect recognized assets or liabilities but that do not result in cash receipts or cash payments in the period. "Part noncash" refers to that portion of the transaction not resulting in cash receipts or cash payments in the period.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4332-108586<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4313-108586<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4304-108586<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;">us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1</td>
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<td>us-gaap_</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Value transferred from mortgage loans to real estate owned (REO) in noncash transactions.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4332-108586<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4304-108586<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4313-108586<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;">us-gaap_TransferToOtherRealEstate</td>
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<td>us-gaap_</td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6827174944">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Business Combinations (Narrative) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Aug. 01, 2014</div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
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<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_us-gaap_SignificantAcquisitionsAndDisposalsLineItems', window );"><strong>Significant Acquisitions and Disposals [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_GoodwillImpairmentLoss', window );">Goodwill impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 751<span></span>
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</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fisi_ScottDanahyNaylonCo.Inc.Member', window );">Scott Danahy Naylon Co., Inc. [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_SignificantAcquisitionsAndDisposalsLineItems', window );"><strong>Significant Acquisitions and Disposals [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_BusinessCombinationConsiderationTransferredIncludingEquityInterestInAcquireeHeldPriorToCombination1', window );">Consideration including both cash and stock</a></td>
<td class="nump">$ 16,900<span></span>
</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_us-gaap_BusinessCombinationContingentConsiderationLiability', window );">Contingent earn-out liability</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,200<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_us-gaap_BusinessCombinationConsiderationTransferredLiabilitiesIncurred', window );">Contingent consideration</a></td>
<td class="nump">3,227<span></span>
</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_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill', window );">Identified intangible assets</a></td>
<td class="nump">6,640<span></span>
</td>
<td class="text">&#160;<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_us-gaap_GoodwillAcquiredDuringPeriod', window );">Goodwill resulting from acquisition</a></td>
<td class="nump">$ 12,617<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=fisi_InsuranceSegmentMember', window );">Insurance [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_SignificantAcquisitionsAndDisposalsLineItems', window );"><strong>Significant Acquisitions and Disposals [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_GoodwillImpairmentLoss', window );">Goodwill impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 751<span></span>
</td>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationConsiderationTransferredIncludingEquityInterestInAcquireeHeldPriorToCombination1">
<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>Fair value at acquisition-date of the assets transferred by the acquirer, liabilities incurred by the acquirer, and equity interests issued by the acquirer, including but not limited to,  instruments or interests issued or issuable in consideration for the business combination.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=25497992&amp;loc=d3e1392-128463<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=35744584&amp;loc=d3e6927-128479<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;">us-gaap_BusinessCombinationConsiderationTransferredIncludingEquityInterestInAcquireeHeldPriorToCombination1</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationConsiderationTransferredLiabilitiesIncurred">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of liabilities incurred by the acquirer as part of consideration transferred in a business combination.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 25<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=6911189&amp;loc=d3e6405-128476<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 30<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=6911251&amp;loc=d3e6578-128477<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 30<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=6911251&amp;loc=d3e6613-128477<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;">us-gaap_BusinessCombinationConsiderationTransferredLiabilitiesIncurred</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationContingentConsiderationLiability">
<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>Amount of liability recognized arising from contingent consideration in a business combination.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 35<br> -Paragraph 1<br> -Subparagraph b<br> -URI http://asc.fasb.org/extlink&amp;oid=6911338&amp;loc=d3e6819-128478<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 25<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=6911189&amp;loc=d3e6408-128476<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>
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<td>instant</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of intangible assets, excluding goodwill, acquired at the acquisition date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=39739317&amp;loc=d3e4845-128472<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;">us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<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>Amount of increase in asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized resulting from a business combination.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<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>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of loss from the write-down of an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13854-109267<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13777-109266<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<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>
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<td style="white-space:nowrap;">us-gaap_GoodwillImpairmentLoss</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6827616048">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Business Combinations (Schedule Of Assets Purchased And Liabilities Assumed) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Aug. 01, 2014</div></th>
<th class="th"><div>Dec. 31, 2014</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_us-gaap_SignificantAcquisitionsAndDisposalsLineItems', window );"><strong>Significant Acquisitions and Disposals [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable', window );">Common stock issued for acquisition</a></td>
<td class="text">&#160;<span></span>
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<td class="nump">$ 5,400<span></span>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fisi_ScottDanahyNaylonCo.Inc.Member', window );">Scott Danahy Naylon Co., Inc. [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<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_us-gaap_SignificantAcquisitionsAndDisposalsLineItems', window );"><strong>Significant Acquisitions and Disposals [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireBusinessesGross', window );">Cash</a></td>
<td class="nump">$ 8,100<span></span>
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<td class="text">&#160;<span></span>
</td>
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<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_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable', window );">Common stock issued for acquisition</a></td>
<td class="nump">5,400<span></span>
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<td class="text">&#160;<span></span>
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<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_us-gaap_BusinessCombinationConsiderationTransferredLiabilitiesIncurred', window );">Contingent consideration</a></td>
<td class="nump">3,227<span></span>
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<td class="text">&#160;<span></span>
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<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessCombinationConsiderationTransferred1', window );">Fair value of total consideration transferred</a></td>
<td class="nump">16,727<span></span>
</td>
<td class="text">&#160;<span></span>
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<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_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents', window );">Cash</a></td>
<td class="nump">105<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<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_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill', window );">Identified intangible assets</a></td>
<td class="nump">6,640<span></span>
</td>
<td class="text">&#160;<span></span>
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<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_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedPropertyPlantAndEquipment', window );">Premises and equipment, accounts receivable and other assets</a></td>
<td class="nump">1,094<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets', window );">Total identifiable assets acquired</a></td>
<td class="nump">7,839<span></span>
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<td class="text">&#160;<span></span>
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<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_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeferredTaxLiabilitiesNoncurrent', window );">Deferred tax liability</a></td>
<td class="nump">2,556<span></span>
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<td class="text">&#160;<span></span>
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<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_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoncurrentLiabilitiesOther', window );">Other liabilities</a></td>
<td class="nump">1,173<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities', window );">Total liabilities assumed</a></td>
<td class="nump">3,729<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet', window );">Fair value of net assets acquired</a></td>
<td class="nump">4,110<span></span>
</td>
<td class="text">&#160;<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_us-gaap_GoodwillAcquiredDuringPeriod', window );">Goodwill resulting from acquisition</a></td>
<td class="nump">$ 12,617<span></span>
</td>
<td class="text">&#160;<span></span>
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<div style="display: none;">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of consideration transferred, consisting of acquisition-date fair value of assets transferred by the acquirer, liabilities incurred by the acquirer, and equity interest issued by the acquirer.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 30<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=6911251&amp;loc=d3e6578-128477<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=35744584&amp;loc=d3e6927-128479<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 30<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=6911251&amp;loc=d3e6613-128477<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;">us-gaap_BusinessCombinationConsiderationTransferred1</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of equity interests of the acquirer, including instruments or interests issued or issuable in consideration for the business combination.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 30<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=6911251&amp;loc=d3e6578-128477<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 30<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=6911251&amp;loc=d3e6613-128477<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>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of liabilities incurred by the acquirer as part of consideration transferred in a business combination.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 25<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=6911189&amp;loc=d3e6405-128476<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 30<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=6911251&amp;loc=d3e6578-128477<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 30<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=6911251&amp;loc=d3e6613-128477<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>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of assets acquired at the acquisition date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=39739317&amp;loc=d3e4845-128472<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>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of currency on hand as well as demand deposits with banks or financial institutions, acquired at the acquisition date. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=39739317&amp;loc=d3e4845-128472<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;">us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences due after one year or the normal operating cycle, if longer, assumed at the acquisition date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=39739317&amp;loc=d3e4845-128472<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;">us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeferredTaxLiabilitiesNoncurrent</td>
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<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>Amount of intangible assets, excluding goodwill, acquired at the acquisition date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=39739317&amp;loc=d3e4845-128472<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;">us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities">
<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>Amount of liabilities assumed at the acquisition date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=39739317&amp;loc=d3e4845-128472<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;">us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<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>Amount recognized as of the acquisition date for the identifiable assets acquired in excess of (less than) the aggregate liabilities assumed.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 10<br> -Section 55<br> -Paragraph 37<br> -URI http://asc.fasb.org/extlink&amp;oid=35744172&amp;loc=d3e2207-128464<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=39739317&amp;loc=d3e4845-128472<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;">us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoncurrentLiabilitiesOther">
<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>Amount of other liabilities due after one year or the normal operating cycle, if longer, assumed at the acquisition date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=39739317&amp;loc=d3e4845-128472<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;">us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoncurrentLiabilitiesOther</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<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 amount of property, plant, and equipment recognized as of the acquisition date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=39739317&amp;loc=d3e4845-128472<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 10<br> -Section 55<br> -Paragraph 37<br> -URI http://asc.fasb.org/extlink&amp;oid=35744172&amp;loc=d3e2207-128464<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;">us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedPropertyPlantAndEquipment</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
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<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>Amount of increase in asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized resulting from a business combination.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<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;">us-gaap_GoodwillAcquiredDuringPeriod</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireBusinessesGross">
<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 cash outflow associated with the acquisition of business during the period. The cash portion only of the acquisition price.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Investing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<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;">us-gaap_PaymentsToAcquireBusinessesGross</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Balance Type:</strong></td>
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<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_SignificantAcquisitionsAndDisposalsLineItems</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6848825600">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investment Securities (Narrative) (Details)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
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<th class="th">
<div>Dec. 31, 2015 </div>
<div>USD ($) </div>
<div>security</div>
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<div>Dec. 31, 2014 </div>
<div>USD ($) </div>
<div>security</div>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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</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_us-gaap_AvailableForSaleSecuritiesPledgedAsCollateral', window );">Securities pledged as collateral</a></td>
<td class="nump">$ 781,700<span></span>
</td>
<td class="nump">$ 768,600<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_SecuritiesTransferredFromAvailableForSaleToHeldToMaturityAtFairValue', window );">Securities transferred from available for sale to held to maturity (at fair value)</a></td>
<td class="nump">165,200<span></span>
</td>
<td class="nump">12,800<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_OtherComprehensiveIncomeLossTransfersFromAvailableForSaleToHeldToMaturitySecuritiesBeforeTax', window );">Unrealized holding losses included in accumulated other comprehensive income and in the carrying value of the held to maturity securities</a></td>
<td class="nump">$ 1,100<span></span>
</td>
<td class="nump">$ 51<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_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1', window );">Number of security positions, unrealized loss position | security</a></td>
<td class="nump">152<span></span>
</td>
<td class="nump">122<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesInUnrealizedLossPositionsTwelveMonthsOrLongerQualitativeDisclosureNumberOfPositions', window );">Number of security positions, unrealized loss position for more than 12 months | security</a></td>
<td class="nump">10<span></span>
</td>
<td class="nump">51<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_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Fair value, continuous unrealized loss position for more than 12 months</a></td>
<td class="nump">$ 35,864<span></span>
</td>
<td class="nump">$ 207,942<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, 12 months or longer, Unrealized Losses</a></td>
<td class="nump">$ 513<span></span>
</td>
<td class="nump">$ 5,699<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesInUnrealizedLossPositionsLessThanTwelveMonthsQualitativeDisclosureNumberOfPositions', window );">Number of security positions, unrealized loss position for less than 12 months | security</a></td>
<td class="nump">142<span></span>
</td>
<td class="nump">71<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Securities, less than 12 months, Fair Value</a></td>
<td class="nump">$ 400,299<span></span>
</td>
<td class="nump">$ 69,888<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Securities, less than 12 months, Unrealized Losses</a></td>
<td class="nump">$ 5,593<span></span>
</td>
<td class="nump">$ 236<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments">
<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>Amount of accumulated pre-tax unrealized loss on securities classified as available-for-sale that have been in a loss position for twelve months or longer impacting investments.</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;">fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_AvailableForSaleSecuritiesInUnrealizedLossPositionsLessThanTwelveMonthsQualitativeDisclosureNumberOfPositions">
<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>Disclosure regarding factors used to determine that the impairment of securities not categorized as either held-to-maturity securities or trading securities (hence equal to available for sale securities) where cost exceeds fair value is not an other than temporary impairment (OTTI). This item contains disclosure of the number of investment positions in the available-for-sale investments determined to be temporarily impaired for less than twelve months.</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;">fisi_AvailableForSaleSecuritiesInUnrealizedLossPositionsLessThanTwelveMonthsQualitativeDisclosureNumberOfPositions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_AvailableForSaleSecuritiesInUnrealizedLossPositionsTwelveMonthsOrLongerQualitativeDisclosureNumberOfPositions">
<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>Disclosure regarding factors used to determine that the impairment of securities not categorized as either held-to-maturity securities or trading securities (hence equal to available for sale securities) where cost exceeds fair value is not an other than temporary impairment (OTTI). This item contains disclosure of the number of investment positions in the available-for-sale investments determined to be temporarily impaired for twelve months or longer.</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;">fisi_AvailableForSaleSecuritiesInUnrealizedLossPositionsTwelveMonthsOrLongerQualitativeDisclosureNumberOfPositions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss">
<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>Amount of accumulated pre-tax unrealized loss on investments in securities that have been in a loss position for less than twelve months.</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;">fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue">
<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>This item represents the fair value of securities that have been in a continuous unrealized loss position for less than twelve months.</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;">fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_OtherComprehensiveIncomeLossTransfersFromAvailableForSaleToHeldToMaturitySecuritiesBeforeTax">
<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>Before tax amount of unrealized holding gain (loss) related to transfers of securities into the held-to-maturity classification and out of the available-for-sale classification.</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;">fisi_OtherComprehensiveIncomeLossTransfersFromAvailableForSaleToHeldToMaturitySecuritiesBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_fisi_SecuritiesTransferredFromAvailableForSaleToHeldToMaturityAtFairValue">
<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>Securities transferred from available for sale to held to maturity (at fair value).</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;">fisi_SecuritiesTransferredFromAvailableForSaleToHeldToMaturityAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue">
<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>This item represents the aggregate fair value of investments in debt and equity securities categorized neither as held-to-maturity nor trading securities that have been in a continuous unrealized loss position for twelve months or longer.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27337-111563<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;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesPledgedAsCollateral">
<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 fair value of available-for-sale securities that serve as collateral for borrowings.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5086-111524<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;">us-gaap_AvailableForSaleSecuritiesPledgedAsCollateral</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1">
<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>Number of investment positions in available-for-sale investments in a continuous unrealized loss position for which an other-than-temporary impairment (OTTI) has not been recognized in the income statement.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (b)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<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;">us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsAbstract">
<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 );">- References</a><div><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;">us-gaap_InvestmentsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6847927664">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Investment Securities (Summary Of Amortized Cost And Fair Value Of Investment Securities) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</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_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Securities available for sale, Amortized Cost</a></td>
<td class="nump">$ 543,621<span></span>
</td>
<td class="nump">$ 619,293<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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Securities available for sale, Unrealized Gains</a></td>
<td class="nump">4,599<span></span>
</td>
<td class="nump">9,016<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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Securities available for sale, Unrealized Losses</a></td>
<td class="nump">3,825<span></span>
</td>
<td class="nump">5,815<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_us-gaap_AvailableForSaleSecurities', window );">Securities available for sale</a></td>
<td class="nump">544,395<span></span>
</td>
<td class="nump">622,494<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Securities held to maturity, Amortized Cost</a></td>
<td class="nump">485,717<span></span>
</td>
<td class="nump">294,438<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_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain', window );">Securities held to maturity, Unrealized Gains</a></td>
<td class="nump">6,628<span></span>
</td>
<td class="nump">4,377<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_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss', window );">Securities held to maturity, Unrealized Losses</a></td>
<td class="nump">2,281<span></span>
</td>
<td class="nump">120<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_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Securities held to maturity, fair value</a></td>
<td class="nump">490,064<span></span>
</td>
<td class="nump">298,695<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember', window );">U.S. Government Agencies And Government Sponsored Enterprises [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Securities available for sale, Amortized Cost</a></td>
<td class="nump">260,748<span></span>
</td>
<td class="nump">160,334<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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Securities available for sale, Unrealized Gains</a></td>
<td class="nump">1,164<span></span>
</td>
<td class="nump">1,116<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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Securities available for sale, Unrealized Losses</a></td>
<td class="nump">1,049<span></span>
</td>
<td class="nump">975<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_us-gaap_AvailableForSaleSecurities', window );">Securities available for sale</a></td>
<td class="nump">260,863<span></span>
</td>
<td class="nump">160,475<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USStatesAndPoliticalSubdivisionsMember', window );">State And Political Subdivisions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Securities held to maturity, Amortized Cost</a></td>
<td class="nump">294,423<span></span>
</td>
<td class="nump">277,273<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_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain', window );">Securities held to maturity, Unrealized Gains</a></td>
<td class="nump">6,562<span></span>
</td>
<td class="nump">4,231<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_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss', window );">Securities held to maturity, Unrealized Losses</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">120<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_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Securities held to maturity, fair value</a></td>
<td class="nump">300,981<span></span>
</td>
<td class="nump">281,384<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_CollateralizedMortgageObligationsMember', window );">Collateralized Mortgage Obligations [Member] | Federal National Mortgage Association [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Securities available for sale, Amortized Cost</a></td>
<td class="nump">16,998<span></span>
</td>
<td class="nump">76,247<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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Securities available for sale, Unrealized Gains</a></td>
<td class="nump">90<span></span>
</td>
<td class="nump">489<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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Securities available for sale, Unrealized Losses</a></td>
<td class="nump">154<span></span>
</td>
<td class="nump">944<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_us-gaap_AvailableForSaleSecurities', window );">Securities available for sale</a></td>
<td class="nump">16,934<span></span>
</td>
<td class="nump">75,792<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Securities held to maturity, Amortized Cost</a></td>
<td class="nump">56,791<span></span>
</td>
<td class="text">&#160;<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_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss', window );">Securities held to maturity, Unrealized Losses</a></td>
<td class="nump">818<span></span>
</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_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Securities held to maturity, fair value</a></td>
<td class="nump">55,973<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_CollateralizedMortgageObligationsMember', window );">Collateralized Mortgage Obligations [Member] | Federal Home Loan Mortgage Corporation [Member]</a></td>
<td class="text">&#160;<span></span>
</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_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Securities available for sale, Amortized Cost</a></td>
<td class="nump">5,175<span></span>
</td>
<td class="nump">89,623<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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Securities available for sale, Unrealized Gains</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">199<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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Securities available for sale, Unrealized Losses</a></td>
<td class="nump">91<span></span>
</td>
<td class="nump">2,585<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_us-gaap_AvailableForSaleSecurities', window );">Securities available for sale</a></td>
<td class="nump">5,085<span></span>
</td>
<td class="nump">87,237<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Securities held to maturity, Amortized Cost</a></td>
<td class="nump">80,570<span></span>
</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_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss', window );">Securities held to maturity, Unrealized Losses</a></td>
<td class="nump">1,120<span></span>
</td>
<td class="text">&#160;<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_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Securities held to maturity, fair value</a></td>
<td class="nump">79,450<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_CollateralizedMortgageObligationsMember', window );">Collateralized Mortgage Obligations [Member] | Government National Mortgage Association [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Securities available for sale, Amortized Cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">29,954<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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Securities available for sale, Unrealized Gains</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">598<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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Securities available for sale, Unrealized Losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">40<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_us-gaap_AvailableForSaleSecurities', window );">Securities available for sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">30,512<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Securities held to maturity, Amortized Cost</a></td>
<td class="nump">19,084<span></span>
</td>
<td class="text">&#160;<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_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain', window );">Securities held to maturity, Unrealized Gains</a></td>
<td class="nump">19<span></span>
</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_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss', window );">Securities held to maturity, Unrealized Losses</a></td>
<td class="nump">101<span></span>
</td>
<td class="text">&#160;<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_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Securities held to maturity, fair value</a></td>
<td class="nump">19,002<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_CollateralizedMortgageObligationsMember', window );">Collateralized Mortgage Obligations [Member] | Privately Issued [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Securities available for sale, Unrealized Gains</a></td>
<td class="nump">809<span></span>
</td>
<td class="nump">1,218<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_us-gaap_AvailableForSaleSecurities', window );">Securities available for sale</a></td>
<td class="nump">809<span></span>
</td>
<td class="nump">1,218<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_MortgageBackedSecuritiesMember', window );">Mortgage-Backed Securities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Securities available for sale, Amortized Cost</a></td>
<td class="nump">282,873<span></span>
</td>
<td class="nump">458,959<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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Securities available for sale, Unrealized Gains</a></td>
<td class="nump">3,217<span></span>
</td>
<td class="nump">7,669<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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Securities available for sale, Unrealized Losses</a></td>
<td class="nump">2,776<span></span>
</td>
<td class="nump">4,840<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_us-gaap_AvailableForSaleSecurities', window );">Securities available for sale</a></td>
<td class="nump">283,314<span></span>
</td>
<td class="nump">461,788<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Securities held to maturity, Amortized Cost</a></td>
<td class="nump">191,294<span></span>
</td>
<td class="nump">17,165<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_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain', window );">Securities held to maturity, Unrealized Gains</a></td>
<td class="nump">66<span></span>
</td>
<td class="nump">146<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_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss', window );">Securities held to maturity, Unrealized Losses</a></td>
<td class="nump">2,277<span></span>
</td>
<td class="text">&#160;<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_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Securities held to maturity, fair value</a></td>
<td class="nump">189,083<span></span>
</td>
<td class="nump">17,311<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_MortgageBackedSecuritiesMember', window );">Mortgage-Backed Securities [Member] | Federal National Mortgage Association [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Securities available for sale, Amortized Cost</a></td>
<td class="nump">209,671<span></span>
</td>
<td class="nump">184,857<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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Securities available for sale, Unrealized Gains</a></td>
<td class="nump">1,092<span></span>
</td>
<td class="nump">2,344<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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Securities available for sale, Unrealized Losses</a></td>
<td class="nump">2,333<span></span>
</td>
<td class="nump">1,264<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_us-gaap_AvailableForSaleSecurities', window );">Securities available for sale</a></td>
<td class="nump">208,430<span></span>
</td>
<td class="nump">185,937<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Securities held to maturity, Amortized Cost</a></td>
<td class="nump">9,242<span></span>
</td>
<td class="nump">3,279<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_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain', window );">Securities held to maturity, Unrealized Gains</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">24<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_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss', window );">Securities held to maturity, Unrealized Losses</a></td>
<td class="nump">79<span></span>
</td>
<td class="text">&#160;<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_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Securities held to maturity, fair value</a></td>
<td class="nump">9,177<span></span>
</td>
<td class="nump">3,303<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_MortgageBackedSecuritiesMember', window );">Mortgage-Backed Securities [Member] | Federal Home Loan Mortgage Corporation [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Securities available for sale, Amortized Cost</a></td>
<td class="nump">24,564<span></span>
</td>
<td class="nump">29,478<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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Securities available for sale, Unrealized Gains</a></td>
<td class="nump">282<span></span>
</td>
<td class="nump">799<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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Securities available for sale, Unrealized Losses</a></td>
<td class="nump">194<span></span>
</td>
<td class="nump">7<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_us-gaap_AvailableForSaleSecurities', window );">Securities available for sale</a></td>
<td class="nump">24,652<span></span>
</td>
<td class="nump">30,270<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_MortgageBackedSecuritiesMember', window );">Mortgage-Backed Securities [Member] | Government National Mortgage Association [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Securities available for sale, Amortized Cost</a></td>
<td class="nump">26,465<span></span>
</td>
<td class="nump">48,800<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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Securities available for sale, Unrealized Gains</a></td>
<td class="nump">943<span></span>
</td>
<td class="nump">2,022<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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Securities available for sale, Unrealized Losses</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AvailableForSaleSecurities', window );">Securities available for sale</a></td>
<td class="nump">27,404<span></span>
</td>
<td class="nump">50,822<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Securities held to maturity, Amortized Cost</a></td>
<td class="nump">25,607<span></span>
</td>
<td class="nump">13,886<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_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain', window );">Securities held to maturity, Unrealized Gains</a></td>
<td class="nump">33<span></span>
</td>
<td class="nump">122<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_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss', window );">Securities held to maturity, Unrealized Losses</a></td>
<td class="nump">159<span></span>
</td>
<td class="text">&#160;<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_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Securities held to maturity, fair value</a></td>
<td class="nump">25,481<span></span>
</td>
<td class="nump">14,008<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_AssetBackedSecuritiesMember', window );">Asset-Backed Securities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Securities available for sale, Unrealized Gains</a></td>
<td class="nump">218<span></span>
</td>
<td class="nump">231<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_us-gaap_AvailableForSaleSecurities', window );">Securities available for sale</a></td>
<td class="nump">$ 218<span></span>
</td>
<td class="nump">$ 231<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_invest_InvestmentLineItems">
<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 );">- References</a><div><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;">invest_InvestmentLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>invest_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
<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>Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 25<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (aa)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<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;">us-gaap_AvailableForSaleSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax">
<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>Amount before tax of unrealized gain in accumulated other comprehensive income (AOCI) on investments in debt and equity securities classified as available-for-sale.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<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;">us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax">
<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>Amount before tax of unrealized loss in accumulated other comprehensive income (AOCI) on investments in debt and equity securities classified as available-for-sale.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<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;">us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost">
<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>This item represents the cost of debt and equity securities, which are categorized neither as held-to-maturity nor trading, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments recognized, as defined), and fair value hedge accounting adjustments, if any.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<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;">us-gaap_AvailableForSaleSecuritiesAmortizedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecurities">
<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>Amount after other than temporary impairment (OTTI) accretion, of investments in debt securities classified as held-to-maturity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 25<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.6)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<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;">us-gaap_HeldToMaturitySecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain">
<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>Amount of accumulated unrealized gain on investments in debt securities classified as held-to-maturity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<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;">us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss">
<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>Amount of accumulated unrealized loss on investments in debt securities classified as held-to-maturity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<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;">us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesFairValue">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value of investments in debt securities classified as held-to-maturity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (aa)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<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;">us-gaap_HeldToMaturitySecuritiesFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USStatesAndPoliticalSubdivisionsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_CollateralizedMortgageObligationsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_CollateralizedMortgageObligationsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_MortgageBackedSecuritiesMember</td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_AssetBackedSecuritiesMember</td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825282256">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investment Securities (Interest And Dividends On Securities) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
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<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</div></th>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeSecuritiesTaxable', window );">Taxable interest and dividends</a></td>
<td class="nump">$ 16,123<span></span>
</td>
<td class="nump">$ 13,304<span></span>
</td>
<td class="nump">$ 12,541<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_us-gaap_InterestIncomeSecuritiesTaxExempt', window );">Tax-exempt interest and dividends</a></td>
<td class="nump">5,752<span></span>
</td>
<td class="nump">5,298<span></span>
</td>
<td class="nump">4,922<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeSecurities', window );">Total interest and dividends on securities</a></td>
<td class="nump">$ 21,875<span></span>
</td>
<td class="nump">$ 18,602<span></span>
</td>
<td class="nump">$ 17,463<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeSecurities">
<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>Amount of operating dividend and interest income, including amortization and accretion of premiums and discounts, on securities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.2,3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 35<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=27723805&amp;loc=d3e24721-111560<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 2, 3<br> -Article 9<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;">us-gaap_InterestAndDividendIncomeSecurities</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeSecuritiesTaxExempt">
<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>Amount of operating interest income, including amortization and accretion of premiums and discounts, on securities exempt from state, federal and other income tax.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 2<br> -Article 9<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;">us-gaap_InterestIncomeSecuritiesTaxExempt</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeSecuritiesTaxable">
<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>Amount of operating interest income, including amortization and accretion of premiums and discounts, on securities subject to state, federal and other income tax.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 2<br> -Article 9<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;">us-gaap_InterestIncomeSecuritiesTaxable</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><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;">us-gaap_InvestmentsAbstract</td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6826144128">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investment Securities (Sales And Calls Of Securities Available For Sale) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_InvestmentsAbstract', window );"><strong>Investment Securities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
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<td class="nump">$ 54,277<span></span>
</td>
<td class="nump">$ 81,600<span></span>
</td>
<td class="nump">$ 1,327<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_us-gaap_AvailableForSaleSecuritiesGrossRealizedGains', window );">Gross realized gains</a></td>
<td class="nump">2,000<span></span>
</td>
<td class="nump">2,043<span></span>
</td>
<td class="nump">$ 1,226<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_us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses', window );">Gross realized losses</a></td>
<td class="nump">$ 12<span></span>
</td>
<td class="nump">$ 2<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
</table>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesGrossRealizedGains">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This item represents the gross profit realized on the sale of debt or equity securities categorized neither as held-to-maturity nor trading securities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<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;">us-gaap_AvailableForSaleSecuritiesGrossRealizedGains</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This item represents the gross loss realized on the sale of debt or equity securities categorized neither as held-to-maturity nor trading securities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<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;">us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><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>
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<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 cash inflow associated with maturities (principal being due), prepayments and calls (requests of early payments) on securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (a),(b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Investing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<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;">us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities</td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6824484176">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Investment Securities (Scheduled Maturities Of Securities Available For Sale And Securities Held To Maturity) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</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_us-gaap_InvestmentsAbstract', window );"><strong>Investment Securities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost', window );">Debt securities available for sale, Due in one year or less, Amortized Cost</a></td>
<td class="nump">$ 25,182<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost', window );">Debt securities available for sale, Due from one to five years, Amortized Cost</a></td>
<td class="nump">174,053<span></span>
</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_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost', window );">Debt securities available for sale, Due after five years through ten years, Amortized Cost</a></td>
<td class="nump">275,972<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost', window );">Debt securities available for sale, Due after ten years, Amortized Cost</a></td>
<td class="nump">68,414<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Debt securities available for sale, Amortized Cost</a></td>
<td class="nump">543,621<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Debt securities available for sale, Due in one year or less, Fair Value</a></td>
<td class="nump">25,241<span></span>
</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_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">Debt securities available for sale, Due from one to five years, Fair Value</a></td>
<td class="nump">173,336<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">Debt securities available for sale, Due after five years through ten years, Fair Value</a></td>
<td class="nump">276,660<span></span>
</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_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue', window );">Debt securities available for sale, Due after ten years, Fair Value</a></td>
<td class="nump">69,158<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Debt securities available for sale, Fair Value</a></td>
<td class="nump">544,395<span></span>
</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_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount', window );">Debt securities held to maturity, Due in one year or less, Amortized Cost</a></td>
<td class="nump">22,188<span></span>
</td>
<td class="text">&#160;<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_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount', window );">Debt securities held to maturity, Due from one to five years, Amortized Cost</a></td>
<td class="nump">172,094<span></span>
</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_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount', window );">Debt securities held to maturity, Due after five years through ten years, Amortized Cost</a></td>
<td class="nump">116,362<span></span>
</td>
<td class="text">&#160;<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_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount', window );">Debt securities held to maturity, Due after ten years, Amortized Cost</a></td>
<td class="nump">175,073<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Securities held to maturity, Amortized Cost</a></td>
<td class="nump">485,717<span></span>
</td>
<td class="nump">$ 294,438<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_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Debt securities held to maturity, Due in one year or less, Fair Value</a></td>
<td class="nump">22,261<span></span>
</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_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">Debt securities held to maturity, Due from one to five years, Fair Value</a></td>
<td class="nump">175,650<span></span>
</td>
<td class="text">&#160;<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_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">Debt securities held to maturity, Due after five years through ten years, Fair Value</a></td>
<td class="nump">119,183<span></span>
</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_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue', window );">Debt securities held to maturity, Due after ten years, Fair Value</a></td>
<td class="nump">172,970<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Securities held to maturity, Fair Value</a></td>
<td class="nump">$ 490,064<span></span>
</td>
<td class="nump">$ 298,695<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis">
<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>This item represents the cost of debt securities, which are categorized neither as held-to-maturity nor trading, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments recognized, as defined), and fair value hedge accounting adjustments, if any.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<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;">us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost">
<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>Amount after adjustments of available-for-sale debt securities at cost, maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<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;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue">
<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>Fair value of available-for-sale debt securities maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 320<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<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;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost">
<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>Amount after adjustments of available-for-sale debt securities at cost, maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<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;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue">
<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>Fair value of available-for-sale debt securities maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 320<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<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;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost">
<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>Amount after adjustments of available-for-sale debt securities at cost, maturing after the tenth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<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;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue">
<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>Fair value of available-for-sale debt securities maturing after the tenth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 320<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<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;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<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>Amount after adjustments of available-for-sale debt securities at cost, maturing in the next fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<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;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost</td>
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<tr>
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<tr>
<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue">
<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>Fair value of available-for-sale debt securities maturing in the next fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 320<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<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;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities">
<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>Amount of debt securities categorized neither as held-to-maturity nor trading.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 25<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 320<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)-(g)<br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62557-112803<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;">us-gaap_AvailableForSaleSecuritiesDebtSecurities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecurities">
<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>Amount after other than temporary impairment (OTTI) accretion, of investments in debt securities classified as held-to-maturity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 25<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.6)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<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;">us-gaap_HeldToMaturitySecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue">
<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>Fair value of held-to-maturity debt securities maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 320<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<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;">us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount">
<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>Carrying amount of debt securities accounted for as held-to-maturity, net of adjustments including, but not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized, and fair value hedge accounting adjustments, maturing in the fifth through tenth fiscal year following the latest fiscal year.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 320<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<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;">us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue">
<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>Fair value of held-to-maturity debt securities maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 320<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<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;">us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<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>Carrying amount of debt securities accounted for as held-to-maturity, net of adjustments including, but not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized, and fair value hedge accounting adjustments, maturing in the next fiscal year through the fifth fiscal year following the latest fiscal year.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 320<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<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;">us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<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>Fair value of held-to-maturity debt securities maturing after the tenth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 320<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<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;">us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<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>Carrying amount of debt securities accounted for as held-to-maturity, net of adjustments including, but not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized, and fair value hedge accounting adjustments, maturing after the tenth fiscal year following the latest fiscal year.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 320<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<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;">us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue">
<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>Fair value of held-to-maturity debt securities maturing in the next fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 320<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<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;">us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount">
<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>Carrying amount of debt securities accounted for as held-to-maturity, net of adjustments including, but not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized, and fair value hedge accounting adjustments, maturing in the next fiscal year following the latest fiscal year.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 320<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<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;">us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesFairValue">
<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>Fair value of investments in debt securities classified as held-to-maturity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (aa)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<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;">us-gaap_HeldToMaturitySecuritiesFairValue</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><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;">us-gaap_InvestmentsAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6848168368">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Investment Securities (Investments' Gross Unrealized Losses And Fair Value) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</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_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Securities available for sale, Less than 12 months, Fair Value</a></td>
<td class="nump">$ 232,913<span></span>
</td>
<td class="nump">$ 51,852<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, Less than 12 months, Unrealized Losses</a></td>
<td class="nump">3,312<span></span>
</td>
<td class="nump">116<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_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Securities available for sale, 12 months or longer, Fair Value</a></td>
<td class="nump">35,864<span></span>
</td>
<td class="nump">207,942<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, 12 months or longer, Unrealized Losses</a></td>
<td class="nump">513<span></span>
</td>
<td class="nump">5,699<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Securities available for sale, Fair Value, Total</a></td>
<td class="nump">268,777<span></span>
</td>
<td class="nump">259,794<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, Unrealized Losses, Total</a></td>
<td class="nump">3,825<span></span>
</td>
<td class="nump">5,815<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_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Securities held to maturity, Less than 12 months, Fair Value</a></td>
<td class="nump">167,386<span></span>
</td>
<td class="text">&#160;<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_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Securities held to maturity, Less than 12 months, Unrealized Losses</a></td>
<td class="nump">2,281<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue', window );">Securities held to maturity, Fair Value, Total</a></td>
<td class="nump">167,386<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss', window );">Securities held to maturity, Unrealized Losses, Total</a></td>
<td class="nump">2,281<span></span>
</td>
<td class="nump">120<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Total Securities, Less than 12 months, Fair Value</a></td>
<td class="nump">400,299<span></span>
</td>
<td class="nump">69,888<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Total Securities, Less than 12 months, Unrealized Losses</a></td>
<td class="nump">5,593<span></span>
</td>
<td class="nump">236<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Total Securities, 12 months or longer, Fair Value</a></td>
<td class="nump">35,864<span></span>
</td>
<td class="nump">207,942<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_InvestmentSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Total Securities, 12 months or longer, Unrealized Losses</a></td>
<td class="nump">513<span></span>
</td>
<td class="nump">5,699<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Total Securities, Fair Value</a></td>
<td class="nump">436,163<span></span>
</td>
<td class="nump">277,830<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_InvestmentSecuritiesAccumulatedUnrecognizedHoldingLoss', window );">Total Securities, Unrealized Losses</a></td>
<td class="nump">6,106<span></span>
</td>
<td class="nump">5,935<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember', window );">U.S. Government Agencies And Government Sponsored Enterprises [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Securities available for sale, Less than 12 months, Fair Value</a></td>
<td class="nump">82,298<span></span>
</td>
<td class="nump">34,995<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, Less than 12 months, Unrealized Losses</a></td>
<td class="nump">735<span></span>
</td>
<td class="nump">77<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_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Securities available for sale, 12 months or longer, Fair Value</a></td>
<td class="nump">26,302<span></span>
</td>
<td class="nump">41,070<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, 12 months or longer, Unrealized Losses</a></td>
<td class="nump">314<span></span>
</td>
<td class="nump">898<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Securities available for sale, Fair Value, Total</a></td>
<td class="nump">108,600<span></span>
</td>
<td class="nump">76,065<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, Unrealized Losses, Total</a></td>
<td class="nump">1,049<span></span>
</td>
<td class="nump">975<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USStatesAndPoliticalSubdivisionsMember', window );">State And Political Subdivisions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Securities held to maturity, Less than 12 months, Fair Value</a></td>
<td class="nump">3,075<span></span>
</td>
<td class="nump">18,036<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_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Securities held to maturity, Less than 12 months, Unrealized Losses</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">120<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue', window );">Securities held to maturity, Fair Value, Total</a></td>
<td class="nump">3,075<span></span>
</td>
<td class="nump">18,036<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss', window );">Securities held to maturity, Unrealized Losses, Total</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">120<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_CollateralizedMortgageObligationsMember', window );">Collateralized Mortgage Obligations [Member] | Federal National Mortgage Association [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Securities available for sale, Less than 12 months, Fair Value</a></td>
<td class="nump">7,778<span></span>
</td>
<td class="nump">11,228<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, Less than 12 months, Unrealized Losses</a></td>
<td class="nump">154<span></span>
</td>
<td class="nump">24<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_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Securities available for sale, 12 months or longer, Fair Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">25,644<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, 12 months or longer, Unrealized Losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">920<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Securities available for sale, Fair Value, Total</a></td>
<td class="nump">7,778<span></span>
</td>
<td class="nump">36,872<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, Unrealized Losses, Total</a></td>
<td class="nump">154<span></span>
</td>
<td class="nump">944<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_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Securities held to maturity, Less than 12 months, Fair Value</a></td>
<td class="nump">55,973<span></span>
</td>
<td class="text">&#160;<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_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Securities held to maturity, Less than 12 months, Unrealized Losses</a></td>
<td class="nump">818<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue', window );">Securities held to maturity, Fair Value, Total</a></td>
<td class="nump">55,973<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss', window );">Securities held to maturity, Unrealized Losses, Total</a></td>
<td class="nump">818<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_CollateralizedMortgageObligationsMember', window );">Collateralized Mortgage Obligations [Member] | Federal Home Loan Mortgage Corporation [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Securities available for sale, Less than 12 months, Fair Value</a></td>
<td class="nump">4,998<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, Less than 12 months, Unrealized Losses</a></td>
<td class="nump">91<span></span>
</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_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Securities available for sale, 12 months or longer, Fair Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">76,126<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, 12 months or longer, Unrealized Losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,585<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Securities available for sale, Fair Value, Total</a></td>
<td class="nump">4,998<span></span>
</td>
<td class="nump">76,126<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, Unrealized Losses, Total</a></td>
<td class="nump">91<span></span>
</td>
<td class="nump">2,585<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_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Securities held to maturity, Less than 12 months, Fair Value</a></td>
<td class="nump">79,323<span></span>
</td>
<td class="text">&#160;<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_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Securities held to maturity, Less than 12 months, Unrealized Losses</a></td>
<td class="nump">1,120<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue', window );">Securities held to maturity, Fair Value, Total</a></td>
<td class="nump">79,323<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss', window );">Securities held to maturity, Unrealized Losses, Total</a></td>
<td class="nump">1,120<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_CollateralizedMortgageObligationsMember', window );">Collateralized Mortgage Obligations [Member] | Government National Mortgage Association [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Securities available for sale, 12 months or longer, Fair Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,510<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, 12 months or longer, Unrealized Losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">40<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Securities available for sale, Fair Value, Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,510<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, Unrealized Losses, Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">40<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_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Securities held to maturity, Less than 12 months, Fair Value</a></td>
<td class="nump">14,559<span></span>
</td>
<td class="text">&#160;<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_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Securities held to maturity, Less than 12 months, Unrealized Losses</a></td>
<td class="nump">101<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue', window );">Securities held to maturity, Fair Value, Total</a></td>
<td class="nump">14,559<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss', window );">Securities held to maturity, Unrealized Losses, Total</a></td>
<td class="nump">101<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_MortgageBackedSecuritiesMember', window );">Mortgage-Backed Securities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Securities available for sale, Less than 12 months, Fair Value</a></td>
<td class="nump">150,615<span></span>
</td>
<td class="nump">16,857<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, Less than 12 months, Unrealized Losses</a></td>
<td class="nump">2,577<span></span>
</td>
<td class="nump">39<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_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Securities available for sale, 12 months or longer, Fair Value</a></td>
<td class="nump">9,562<span></span>
</td>
<td class="nump">166,872<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, 12 months or longer, Unrealized Losses</a></td>
<td class="nump">199<span></span>
</td>
<td class="nump">4,801<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Securities available for sale, Fair Value, Total</a></td>
<td class="nump">160,177<span></span>
</td>
<td class="nump">183,729<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, Unrealized Losses, Total</a></td>
<td class="nump">2,776<span></span>
</td>
<td class="nump">4,840<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_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Securities held to maturity, Less than 12 months, Fair Value</a></td>
<td class="nump">164,311<span></span>
</td>
<td class="text">&#160;<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_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Securities held to maturity, Less than 12 months, Unrealized Losses</a></td>
<td class="nump">2,277<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue', window );">Securities held to maturity, Fair Value, Total</a></td>
<td class="nump">164,311<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss', window );">Securities held to maturity, Unrealized Losses, Total</a></td>
<td class="nump">2,277<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_MortgageBackedSecuritiesMember', window );">Mortgage-Backed Securities [Member] | Federal National Mortgage Association [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Securities available for sale, Less than 12 months, Fair Value</a></td>
<td class="nump">123,774<span></span>
</td>
<td class="nump">2,242<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, Less than 12 months, Unrealized Losses</a></td>
<td class="nump">2,134<span></span>
</td>
<td class="nump">8<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_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Securities available for sale, 12 months or longer, Fair Value</a></td>
<td class="nump">9,562<span></span>
</td>
<td class="nump">62,592<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, 12 months or longer, Unrealized Losses</a></td>
<td class="nump">199<span></span>
</td>
<td class="nump">1,256<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Securities available for sale, Fair Value, Total</a></td>
<td class="nump">133,336<span></span>
</td>
<td class="nump">64,834<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, Unrealized Losses, Total</a></td>
<td class="nump">2,333<span></span>
</td>
<td class="nump">1,264<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_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Securities held to maturity, Less than 12 months, Fair Value</a></td>
<td class="nump">5,666<span></span>
</td>
<td class="text">&#160;<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_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Securities held to maturity, Less than 12 months, Unrealized Losses</a></td>
<td class="nump">79<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue', window );">Securities held to maturity, Fair Value, Total</a></td>
<td class="nump">5,666<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss', window );">Securities held to maturity, Unrealized Losses, Total</a></td>
<td class="nump">79<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_MortgageBackedSecuritiesMember', window );">Mortgage-Backed Securities [Member] | Federal Home Loan Mortgage Corporation [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Securities available for sale, Less than 12 months, Fair Value</a></td>
<td class="nump">12,660<span></span>
</td>
<td class="nump">3,387<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, Less than 12 months, Unrealized Losses</a></td>
<td class="nump">194<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Securities available for sale, Fair Value, Total</a></td>
<td class="nump">12,660<span></span>
</td>
<td class="nump">3,387<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, Unrealized Losses, Total</a></td>
<td class="nump">194<span></span>
</td>
<td class="nump">$ 7<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_MortgageBackedSecuritiesMember', window );">Mortgage-Backed Securities [Member] | Government National Mortgage Association [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Securities available for sale, Less than 12 months, Fair Value</a></td>
<td class="nump">1,405<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, Less than 12 months, Unrealized Losses</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Securities available for sale, Fair Value, Total</a></td>
<td class="nump">1,405<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments', window );">Securities available for sale, Unrealized Losses, Total</a></td>
<td class="nump">4<span></span>
</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_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Securities held to maturity, Less than 12 months, Fair Value</a></td>
<td class="nump">8,790<span></span>
</td>
<td class="text">&#160;<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_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Securities held to maturity, Less than 12 months, Unrealized Losses</a></td>
<td class="nump">159<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue', window );">Securities held to maturity, Fair Value, Total</a></td>
<td class="nump">8,790<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss', window );">Securities held to maturity, Unrealized Losses, Total</a></td>
<td class="nump">$ 159<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments">
<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>Amount of accumulated pre-tax unrealized loss on securities classified as available-for-sale that have been in a loss position for twelve months or longer impacting investments.</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;">fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments">
<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>Amount of accumulated pre-tax unrealized loss on securities classified as available-for-sale impacting investments.</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;">fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments">
<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>Amount of accumulated pre-tax unrealized loss on investments in available-for-sale securities that have been in a loss position for less than twelve months impacting investments.</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;">fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_InvestmentSecuritiesAccumulatedUnrecognizedHoldingLoss">
<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>Amount of accumulated pre-tax unrealized loss on securities.</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;">fisi_InvestmentSecuritiesAccumulatedUnrecognizedHoldingLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_InvestmentSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss">
<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>Amount of accumulated pre-tax unrealized loss on securities that have been in a loss position for twelve months or longer.</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;">fisi_InvestmentSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionFairValue">
<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>This item represents the fair value of securities which are in an unrealized loss position.</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;">fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss">
<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>Amount of accumulated pre-tax unrealized loss on investments in securities that have been in a loss position for less than twelve months.</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;">fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue">
<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>This item represents the fair value of securities that have been in a continuous unrealized loss position for less than twelve months.</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;">fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue">
<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>This item represents the fair value of securities that have been in a continuous unrealized loss position for twelve months or longer.</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;">fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_invest_InvestmentLineItems">
<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 );">- References</a><div><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;">invest_InvestmentLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>invest_</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_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue">
<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>This item represents the aggregate fair value of investments in debt and equity securities in an unrealized loss position which are categorized neither as held-to-maturity nor trading securities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<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;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue">
<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>This item represents the aggregate fair value of investments in debt and equity securities categorized neither as held-to-maturity nor trading securities that have been in a continuous unrealized loss position for less than twelve months.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27337-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<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;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue">
<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>This item represents the aggregate fair value of investments in debt and equity securities categorized neither as held-to-maturity nor trading securities that have been in a continuous unrealized loss position for twelve months or longer.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27337-111563<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;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss">
<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>Amount of accumulated unrealized loss on investments in debt securities classified as held-to-maturity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<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;">us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue">
<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>This item represents the fair value of securities categorized as held-to-maturity which are in an unrealized loss position.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<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;">us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss">
<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>Amount of accumulated unrealized loss on investments in debt securities classified as held-to-maturity that have been in a continuous loss position for less than twelve months.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27337-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<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;">us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue">
<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>This item represents the fair value of securities categorized as held-to-maturity that have been in a continuous unrealized loss position for less than twelve months.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27337-111563<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;">us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USStatesAndPoliticalSubdivisionsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USStatesAndPoliticalSubdivisionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_CollateralizedMortgageObligationsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_CollateralizedMortgageObligationsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_MortgageBackedSecuritiesMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_MortgageBackedSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<DOCUMENT>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6808153520">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans Held For Sale And Loan Servicing Rights (Narrative) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</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_fisi_LoansHeldForSaleAndLoanServicingRightsAbstract', window );"><strong>Loans Held For Sale And Loan Servicing Rights [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_LoansReceivableHeldForSaleNet', window );">Loans held for sale</a></td>
<td class="nump">$ 1,430<span></span>
</td>
<td class="nump">$ 755<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_ResidentialRealEstateMortgagesServicedForOthers', window );">Residential real estate mortgages serviced for others</a></td>
<td class="nump">196,000<span></span>
</td>
<td class="nump">215,200<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_us-gaap_EscrowDeposit', window );">Escrow and other custodial funds</a></td>
<td class="nump">$ 4,400<span></span>
</td>
<td class="nump">$ 4,600<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_LoansHeldForSaleAndLoanServicingRightsAbstract">
<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>Loans Held For Sale And Loan Servicing Rights [Abstract]</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;">fisi_LoansHeldForSaleAndLoanServicingRightsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_ResidentialRealEstateMortgagesServicedForOthers">
<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>Residential Real Estate Mortgages Serviced For Others</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;">fisi_ResidentialRealEstateMortgagesServicedForOthers</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EscrowDeposit">
<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 designation of funds furnished by a borrower to a lender to assure future payments of the borrower's real estate taxes and insurance obligations with respect to a mortgaged property. Escrow deposits may be made for a variety of other purposes such as earnest money and contingent payments. This element excludes replacement reserves which are an escrow separately provided for within the US GAAP taxonomy.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.10)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<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;">us-gaap_EscrowDeposit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansReceivableHeldForSaleNet">
<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>Amount classified as loans attributable to disposal group held for sale or disposed of. Excludes loans and leases covered under loss sharing agreements and loans classified as debt securities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.7(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 35<br> -Paragraph 49<br> -URI http://asc.fasb.org/extlink&amp;oid=35742846&amp;loc=d3e3084-111518<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 948<br> -SubTopic 310<br> -Section 30<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6490209&amp;loc=d3e48214-111002<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 7<br> -Subparagraph a<br> -Article 9<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;">us-gaap_LoansReceivableHeldForSaleNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>74
<FILENAME>R61.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6828619280">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans Held For Sale And Loan Servicing Rights (Activity In Capitalized Mortgage Serving Assets) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_fisi_LoansHeldForSaleAndLoanServicingRightsAbstract', window );"><strong>Loans Held For Sale And Loan Servicing Rights [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_MortgageServicingAssetsBeforeValuationAllowance', window );">Mortgage servicing assets, beginning of year</a></td>
<td class="nump">$ 1,335<span></span>
</td>
<td class="nump">$ 1,479<span></span>
</td>
<td class="nump">$ 1,637<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_us-gaap_ServicingAssetAtFairValueAdditions', window );">Originations</a></td>
<td class="nump">166<span></span>
</td>
<td class="nump">172<span></span>
</td>
<td class="nump">277<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_us-gaap_AmortizationOfMortgageServicingRightsMSRs', window );">Amortization</a></td>
<td class="num">(276)<span></span>
</td>
<td class="num">(316)<span></span>
</td>
<td class="num">(435)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_MortgageServicingAssetsBeforeValuationAllowance', window );">Mortgage servicing assets, end of year</a></td>
<td class="nump">1,225<span></span>
</td>
<td class="nump">1,335<span></span>
</td>
<td class="nump">1,479<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_MortgageServicingAssetsValuationAllowance', window );">Valuation allowance</a></td>
<td class="num">(1)<span></span>
</td>
<td class="num">(6)<span></span>
</td>
<td class="num">(3)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_MortgageServicingAssetsNetOfValuationAllowance', window );">Mortgage servicing assets, net, end of year</a></td>
<td class="nump">$ 1,224<span></span>
</td>
<td class="nump">$ 1,329<span></span>
</td>
<td class="nump">$ 1,476<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_LoansHeldForSaleAndLoanServicingRightsAbstract">
<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>Loans Held For Sale And Loan Servicing Rights [Abstract]</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;">fisi_LoansHeldForSaleAndLoanServicingRightsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_MortgageServicingAssetsBeforeValuationAllowance">
<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>Mortgage Servicing Assets, Before Valuation Allowance</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;">fisi_MortgageServicingAssetsBeforeValuationAllowance</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
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<tr>
<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_MortgageServicingAssetsNetOfValuationAllowance">
<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>Mortgage Servicing Assets Net Of Valuation Allowance</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;">fisi_MortgageServicingAssetsNetOfValuationAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_MortgageServicingAssetsValuationAllowance">
<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>Mortgage Servicing Assets, Valuation Allowance</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;">fisi_MortgageServicingAssetsValuationAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationOfMortgageServicingRightsMSRs">
<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 periodic amortization (in proportion to and over the period of estimated net servicing income or loss) of capitalized servicing rights, which contractually entitle the servicer to receive fees and ancillary revenues for performing billing, collection, disbursement and recordkeeping services in connection with a mortgage portfolio. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 50<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=7882072&amp;loc=d3e122739-111746<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<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;">us-gaap_AmortizationOfMortgageServicingRightsMSRs</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ServicingAssetAtFairValueAdditions">
<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 value of new servicing assets, subsequently measured at fair value, acquired or created during the current period through purchases or from transfers of financial assets.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 50<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=7882072&amp;loc=d3e122625-111746<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;">us-gaap_ServicingAssetAtFairValueAdditions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6827421552">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans (Narrative) (Details)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2015 </div>
<div>USD ($) </div>
<div>loan</div>
</th>
<th class="th">
<div>Dec. 31, 2014 </div>
<div>USD ($) </div>
<div>loan</div>
</th>
<th class="th">
<div>Dec. 31, 2013 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableHeldForSaleNet', window );">Loans held for sale</a></td>
<td class="nump">$ 1,430<span></span>
</td>
<td class="nump">$ 755<span></span>
</td>
<td class="text">&#160;<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_us-gaap_LoansAndLeasesReceivableRelatedParties', window );">Loans, related parties</a></td>
<td class="nump">3,500<span></span>
</td>
<td class="nump">11,900<span></span>
</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_us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions', window );">Loans, related parties, new borrowings</a></td>
<td class="nump">2,900<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_LoansAndLeasesReceivableRelatedPartiesCollections', window );">Loans, related parties, repayments and other reductions</a></td>
<td class="nump">11,300<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">Past due greater than 90 days and still accruing interest</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">Past due greater than 90 days</a></td>
<td class="nump">8<span></span>
</td>
<td class="nump">8<span></span>
</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_us-gaap_InterestIncomeOperating', window );">Estimated interest income</a></td>
<td class="nump">$ 432<span></span>
</td>
<td class="nump">$ 527<span></span>
</td>
<td class="nump">$ 531<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_us-gaap_FinancingReceivableModificationsNumberOfContracts2', window );">Number of Contracts | loan</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">1<span></span>
</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_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2', window );">Pre-Modification Outstanding Recorded Investment</a></td>
<td class="nump">$ 2,024<span></span>
</td>
<td class="nump">$ 1,381<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1', window );">Number of TDR loans in default | loan</a></td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1', window );">TDRs in default, amount</a></td>
<td class="nump">$ 1,300<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_DaysPastDueWhenLoansAreGenerallyPlacedOnNonaccrualStatusInDays', window );">Days past due when loans are generally placed on nonaccrual status, in days</a></td>
<td class="text">90 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_DaysPastDueWhenLoansAreGenerallyPlacedOnNonaccrualStatusInDays', window );">Days Past Due When Loans Are Generally Placed On Nonaccrual Status, In Days</a></td>
<td class="text">90 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_ConsumerOverdraftsMember', window );">Consumer Overdrafts [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">Past due greater than 90 days</a></td>
<td class="nump">$ 8<span></span>
</td>
<td class="nump">$ 8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember', window );">Commercial Business [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableModificationsNumberOfContracts2', window );">Number of Contracts | loan</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2', window );">Pre-Modification Outstanding Recorded Investment</a></td>
<td class="nump">$ 1,342<span></span>
</td>
<td class="nump">$ 1,381<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_DaysPastDueWhenLoansAreGenerallyPlacedOnNonaccrualStatusInDays">
<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>Days Past Due When Loans Are Generally Placed On Nonaccrual Status, In Days</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;">fisi_DaysPastDueWhenLoansAreGenerallyPlacedOnNonaccrualStatusInDays</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_us-gaap_AccountsNotesAndLoansReceivableLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_AccountsNotesAndLoansReceivableLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_FinancingReceivableModificationsNumberOfContracts2">
<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>Number of financing receivables that have been modified by troubled debt restructurings.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 33<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953676-111524<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;">us-gaap_FinancingReceivableModificationsNumberOfContracts2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</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_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2">
<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>Pre-modification amount of investment in financing receivables modified by troubled debt restructurings.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 33<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953676-111524<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;">us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1">
<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>Number of financing receivables that have been modified by troubled debt restructurings within the previous 12 months and for which there was a payment default.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 34<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953682-111524<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;">us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</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_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1">
<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>Amount of investment related to financing receivables modified by troubled debt restructurings within the previous 12 months, for which there was a payment default.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 34<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953682-111524<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;">us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing">
<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>Recorded investment in financing receivables that are 90 days or more past due and still accruing.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5111-111524<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;">us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue">
<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>Financing receivables that are equal to or greater than 90 days past due.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953401-111524<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;">us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeOperating">
<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>Amount of operating interest income, including, but not limited to, amortization and accretion of premiums and discounts on securities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.1(e))<br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<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;">us-gaap_InterestIncomeOperating</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_LoansAndLeasesReceivableRelatedParties">
<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>For an unclassified balance sheet, reflects the carrying amount of unpaid loan amounts due from related parties at the balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.7(e))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 850<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=6457730&amp;loc=d3e39549-107864<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 7<br> -Subparagraph e<br> -Article 9<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;">us-gaap_LoansAndLeasesReceivableRelatedParties</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions">
<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>Reflects the amount of new advances made to related parties in the form of loan and lease receivables.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.7(e))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 850<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=6457730&amp;loc=d3e39549-107864<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 7<br> -Subparagraph e<br> -Article 9<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;">us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_LoansAndLeasesReceivableRelatedPartiesCollections">
<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>Reflects the amount of collections received from related parties to reduce the carrying amounts of loans and leases receivable due from them.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 850<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=6457730&amp;loc=d3e39549-107864<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.7(e))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 7<br> -Subparagraph e<br> -Article 9<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;">us-gaap_LoansAndLeasesReceivableRelatedPartiesCollections</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_LoansReceivableHeldForSaleNet">
<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>Amount classified as loans attributable to disposal group held for sale or disposed of. Excludes loans and leases covered under loss sharing agreements and loans classified as debt securities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.7(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 35<br> -Paragraph 49<br> -URI http://asc.fasb.org/extlink&amp;oid=35742846&amp;loc=d3e3084-111518<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 948<br> -SubTopic 310<br> -Section 30<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6490209&amp;loc=d3e48214-111002<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 7<br> -Subparagraph a<br> -Article 9<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;">us-gaap_LoansReceivableHeldForSaleNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_ConsumerOverdraftsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_ConsumerOverdraftsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6827659616">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans (Loan Portfolio) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</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_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans, Gross</a></td>
<td class="nump">$ 2,052,600<span></span>
</td>
<td class="nump">$ 1,881,071<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_us-gaap_LoansAndLeasesReceivableDeferredIncome', window );">Net Deferred Loan Costs (Fees)</a></td>
<td class="nump">31,162<span></span>
</td>
<td class="nump">30,931<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_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans, Net</a></td>
<td class="nump">2,083,762<span></span>
</td>
<td class="nump">1,912,002<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_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
<td class="num">(27,085)<span></span>
</td>
<td class="num">(27,637)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Total loans, net</a></td>
<td class="nump">2,056,677<span></span>
</td>
<td class="nump">1,884,365<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember', window );">Commercial Business [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans, Gross</a></td>
<td class="nump">313,475<span></span>
</td>
<td class="nump">267,377<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_us-gaap_LoansAndLeasesReceivableDeferredIncome', window );">Net Deferred Loan Costs (Fees)</a></td>
<td class="nump">283<span></span>
</td>
<td class="nump">32<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_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans, Net</a></td>
<td class="nump">313,758<span></span>
</td>
<td class="nump">267,409<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember', window );">Commercial Mortgage [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans, Gross</a></td>
<td class="nump">567,481<span></span>
</td>
<td class="nump">476,407<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_us-gaap_LoansAndLeasesReceivableDeferredIncome', window );">Net Deferred Loan Costs (Fees)</a></td>
<td class="num">(1,380)<span></span>
</td>
<td class="num">(1,315)<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_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans, Net</a></td>
<td class="nump">566,101<span></span>
</td>
<td class="nump">475,092<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialMortgageMember', window );">Residential Mortgage [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans, Gross</a></td>
<td class="nump">98,302<span></span>
</td>
<td class="nump">100,241<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_us-gaap_LoansAndLeasesReceivableDeferredIncome', window );">Net Deferred Loan Costs (Fees)</a></td>
<td class="nump">7<span></span>
</td>
<td class="num">(140)<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_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans, Net</a></td>
<td class="nump">98,309<span></span>
</td>
<td class="nump">100,101<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityMember', window );">Home Equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans, Gross</a></td>
<td class="nump">402,487<span></span>
</td>
<td class="nump">379,774<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_us-gaap_LoansAndLeasesReceivableDeferredIncome', window );">Net Deferred Loan Costs (Fees)</a></td>
<td class="nump">7,625<span></span>
</td>
<td class="nump">6,841<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_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans, Net</a></td>
<td class="nump">410,112<span></span>
</td>
<td class="nump">386,615<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_ConsumerIndirectMember', window );">Consumer Indirect [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans, Gross</a></td>
<td class="nump">652,494<span></span>
</td>
<td class="nump">636,357<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_us-gaap_LoansAndLeasesReceivableDeferredIncome', window );">Net Deferred Loan Costs (Fees)</a></td>
<td class="nump">24,446<span></span>
</td>
<td class="nump">25,316<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_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans, Net</a></td>
<td class="nump">676,940<span></span>
</td>
<td class="nump">661,673<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerOtherFinancingReceivableMember', window );">Other Consumer [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans, Gross</a></td>
<td class="nump">18,361<span></span>
</td>
<td class="nump">20,915<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_us-gaap_LoansAndLeasesReceivableDeferredIncome', window );">Net Deferred Loan Costs (Fees)</a></td>
<td class="nump">181<span></span>
</td>
<td class="nump">197<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_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans, Net</a></td>
<td class="nump">$ 18,542<span></span>
</td>
<td class="nump">$ 21,112<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_AccountsNotesAndLoansReceivableLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_LoansAndLeasesReceivableAllowance">
<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>Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.7(d))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)(1)(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=6379141&amp;loc=d3e15032-111544<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 7<br> -Subparagraph d<br> -Article 9<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Staff Accounting Bulletin (SAB)<br> -Number Topic 6<br> -Section L<br> -Subsection 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;">us-gaap_LoansAndLeasesReceivableAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableDeferredIncome">
<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>Amount of deferred interest and fee income, unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of acquired loans. Excludes amounts for loans and leases covered under loss sharing agreements.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=6378556&amp;loc=d3e10152-111534<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5074-111524<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 30<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=25496975&amp;loc=d3e45377-112738<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 7<br> -Article 9<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;">us-gaap_LoansAndLeasesReceivableDeferredIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount">
<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>Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<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;">us-gaap_LoansAndLeasesReceivableGrossCarryingAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome">
<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>Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5074-111524<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;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
<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>Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<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;">us-gaap_LoansAndLeasesReceivableNetReportedAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialMortgageMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialMortgageMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_ConsumerIndirectMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_ConsumerIndirectMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerOtherFinancingReceivableMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerOtherFinancingReceivableMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<DESCRIPTION>IDEA: XBRL 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">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6827812304">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans (Recorded Investment By Loan Class In Current And Nonaccrual Loans) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30-59 Days Past Due</a></td>
<td class="nump">$ 3,384<span></span>
</td>
<td class="nump">$ 3,808<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60-89 Days Past Due</a></td>
<td class="nump">1,486<span></span>
</td>
<td class="nump">517<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">Greater Than 90 Days</a></td>
<td class="nump">8<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">4,878<span></span>
</td>
<td class="nump">4,333<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual</a></td>
<td class="nump">8,432<span></span>
</td>
<td class="nump">10,145<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">2,039,290<span></span>
</td>
<td class="nump">1,866,593<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total loans</a></td>
<td class="nump">2,052,600<span></span>
</td>
<td class="nump">1,881,071<span></span>
</td>
<td class="nump">$ 1,802,105<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember', window );">Commercial Business [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30-59 Days Past Due</a></td>
<td class="nump">321<span></span>
</td>
<td class="nump">28<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60-89 Days Past Due</a></td>
<td class="nump">612<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">933<span></span>
</td>
<td class="nump">28<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual</a></td>
<td class="nump">3,922<span></span>
</td>
<td class="nump">4,288<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">308,620<span></span>
</td>
<td class="nump">263,061<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total loans</a></td>
<td class="nump">313,475<span></span>
</td>
<td class="nump">267,377<span></span>
</td>
<td class="nump">265,751<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember', window );">Commercial Mortgage [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30-59 Days Past Due</a></td>
<td class="nump">68<span></span>
</td>
<td class="nump">83<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60-89 Days Past Due</a></td>
<td class="nump">146<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">214<span></span>
</td>
<td class="nump">83<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual</a></td>
<td class="nump">947<span></span>
</td>
<td class="nump">3,020<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">566,320<span></span>
</td>
<td class="nump">473,304<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total loans</a></td>
<td class="nump">567,481<span></span>
</td>
<td class="nump">476,407<span></span>
</td>
<td class="nump">470,312<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialMortgageMember', window );">Residential Mortgage [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30-59 Days Past Due</a></td>
<td class="nump">203<span></span>
</td>
<td class="nump">321<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">203<span></span>
</td>
<td class="nump">321<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual</a></td>
<td class="nump">1,325<span></span>
</td>
<td class="nump">1,194<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">96,774<span></span>
</td>
<td class="nump">98,726<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total loans</a></td>
<td class="nump">98,302<span></span>
</td>
<td class="nump">100,241<span></span>
</td>
<td class="nump">113,101<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityMember', window );">Home Equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30-59 Days Past Due</a></td>
<td class="nump">719<span></span>
</td>
<td class="nump">799<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60-89 Days Past Due</a></td>
<td class="nump">429<span></span>
</td>
<td class="nump">67<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">1,148<span></span>
</td>
<td class="nump">866<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual</a></td>
<td class="nump">758<span></span>
</td>
<td class="nump">463<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">400,581<span></span>
</td>
<td class="nump">378,445<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total loans</a></td>
<td class="nump">402,487<span></span>
</td>
<td class="nump">379,774<span></span>
</td>
<td class="nump">320,658<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_ConsumerIndirectMember', window );">Consumer Indirect [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30-59 Days Past Due</a></td>
<td class="nump">1,975<span></span>
</td>
<td class="nump">2,429<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60-89 Days Past Due</a></td>
<td class="nump">286<span></span>
</td>
<td class="nump">402<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">2,261<span></span>
</td>
<td class="nump">2,831<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual</a></td>
<td class="nump">1,467<span></span>
</td>
<td class="nump">1,169<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">648,766<span></span>
</td>
<td class="nump">632,357<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total loans</a></td>
<td class="nump">652,494<span></span>
</td>
<td class="nump">636,357<span></span>
</td>
<td class="nump">609,390<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerOtherFinancingReceivableMember', window );">Other Consumer [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30-59 Days Past Due</a></td>
<td class="nump">98<span></span>
</td>
<td class="nump">148<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60-89 Days Past Due</a></td>
<td class="nump">13<span></span>
</td>
<td class="nump">48<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">Greater Than 90 Days</a></td>
<td class="nump">8<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">119<span></span>
</td>
<td class="nump">204<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual</a></td>
<td class="nump">13<span></span>
</td>
<td class="nump">11<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">18,229<span></span>
</td>
<td class="nump">20,700<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total loans</a></td>
<td class="nump">$ 18,361<span></span>
</td>
<td class="nump">$ 20,915<span></span>
</td>
<td class="nump">$ 22,893<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue">
<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>Financing receivables that are less than 60 days past due but more than 29 days past due.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953401-111524<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;">us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue">
<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>Financing receivables that are less than 90 days past due but more than 59 days past due.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953401-111524<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;">us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent">
<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>Financing receivables that are current.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953401-111524<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;">us-gaap_FinancingReceivableRecordedInvestmentCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue">
<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>Financing receivables that are equal to or greater than 90 days past due.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953401-111524<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;">us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus">
<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>Recorded investment in financing receivables that are on nonaccrual status as of the balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5111-111524<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;">us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue">
<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>Recorded Investment in financing receivables that are past due at the balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953401-111524<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;">us-gaap_FinancingReceivableRecordedInvestmentPastDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_NotesReceivableGross">
<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>Amount representing an agreement for an unconditional promise by the maker to pay the entity (holder) a definite sum of money at a future date. Such amount may include accrued interest receivable in accordance with the terms of the note. The note also may contain provisions and related items including a discount or premium, payable on demand, secured, or unsecured, interest bearing or noninterest bearing, among a myriad of other features and characteristics. Excludes amounts related to receivables held-for-sale.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.10(3))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 10<br> -Subparagraph 3<br> -Article 9<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;">us-gaap_NotesReceivableGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialMortgageMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
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<td></td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_ConsumerIndirectMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_ConsumerIndirectMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerOtherFinancingReceivableMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerOtherFinancingReceivableMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6848822992">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans (Information Related To Loans Modified In A TDR) (Details)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2015 </div>
<div>USD ($) </div>
<div>loan</div>
</th>
<th class="th">
<div>Dec. 31, 2014 </div>
<div>USD ($) </div>
<div>loan</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_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modifications [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableModificationsNumberOfContracts2', window );">Number of Contracts | loan</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">1<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_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2', window );">Pre-Modification Outstanding Recorded Investment</a></td>
<td class="nump">$ 2,024<span></span>
</td>
<td class="nump">$ 1,381<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_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Post-Modification Outstanding Recorded Investment</a></td>
<td class="nump">$ 1,672<span></span>
</td>
<td class="nump">$ 1,381<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember', window );">Commercial Business [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modifications [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableModificationsNumberOfContracts2', window );">Number of Contracts | loan</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">1<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_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2', window );">Pre-Modification Outstanding Recorded Investment</a></td>
<td class="nump">$ 1,342<span></span>
</td>
<td class="nump">$ 1,381<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_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Post-Modification Outstanding Recorded Investment</a></td>
<td class="nump">$ 1,342<span></span>
</td>
<td class="nump">$ 1,381<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember', window );">Commercial Mortgage [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modifications [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableModificationsNumberOfContracts2', window );">Number of Contracts | loan</a></td>
<td class="nump">1<span></span>
</td>
<td class="text"> <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_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2', window );">Pre-Modification Outstanding Recorded Investment</a></td>
<td class="nump">$ 682<span></span>
</td>
<td class="text"> <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_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Post-Modification Outstanding Recorded Investment</a></td>
<td class="nump">$ 330<span></span>
</td>
<td class="text"> <span></span>
</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_FinancingReceivableModificationsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsNumberOfContracts2">
<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>Number of financing receivables that have been modified by troubled debt restructurings.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 33<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953676-111524<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;">us-gaap_FinancingReceivableModificationsNumberOfContracts2</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
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<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>Post-modification amount of investment in financing receivables modified by troubled debt restructurings.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 33<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953676-111524<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;">us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2">
<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>Pre-modification amount of investment in financing receivables modified by troubled debt restructurings.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 33<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953676-111524<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;">us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<TYPE>XML
<SEQUENCE>79
<FILENAME>R66.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
<title></title>
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<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6826264576">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Loans (Summary Of Impaired Loans) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</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_us-gaap_FinancingReceivableImpairedLineItems', window );"><strong>Financing Receivable, Impaired [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Recorded Investment, With no related allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">$ 2,378<span></span>
</td>
<td class="nump">$ 2,189<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_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Recorded Investment, With an allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">2,491<span></span>
</td>
<td class="nump">5,119<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">4,869<span></span>
</td>
<td class="nump">7,308<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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance', window );">Unpaid Principal Balance, With no related allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">3,095<span></span>
</td>
<td class="nump">2,661<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_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance', window );">Unpaid Principal Balance, With an allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">2,491<span></span>
</td>
<td class="nump">5,119<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal Balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">5,586<span></span>
</td>
<td class="nump">7,780<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_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related Allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,006<span></span>
</td>
<td class="nump">2,467<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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment', window );">Average Recorded Investment, With no related allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,365<span></span>
</td>
<td class="nump">2,445<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_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment', window );">Average Recorded Investment, With an allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,395<span></span>
</td>
<td class="nump">3,558<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 4,760<span></span>
</td>
<td class="nump">$ 6,003<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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod', window );">Interest Income Recognized, With no related allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <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_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod', window );">Interest Income Recognized, With an allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Interest Income Recognized</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember', window );">Commercial Business [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableImpairedLineItems', window );"><strong>Financing Receivable, Impaired [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Recorded Investment, With no related allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">$ 1,441<span></span>
</td>
<td class="nump">$ 1,408<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_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Recorded Investment, With an allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">2,481<span></span>
</td>
<td class="nump">2,880<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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance', window );">Unpaid Principal Balance, With no related allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">1,810<span></span>
</td>
<td class="nump">1,741<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_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance', window );">Unpaid Principal Balance, With an allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">2,481<span></span>
</td>
<td class="nump">2,880<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_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related Allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">996<span></span>
</td>
<td class="nump">1,556<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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment', window );">Average Recorded Investment, With no related allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,352<span></span>
</td>
<td class="nump">1,431<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_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment', window );">Average Recorded Investment, With an allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 1,946<span></span>
</td>
<td class="nump">$ 1,998<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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod', window );">Interest Income Recognized, With no related allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <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_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod', window );">Interest Income Recognized, With an allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember', window );">Commercial Mortgage [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableImpairedLineItems', window );"><strong>Financing Receivable, Impaired [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Recorded Investment, With no related allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">$ 937<span></span>
</td>
<td class="nump">$ 781<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_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Recorded Investment, With an allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">10<span></span>
</td>
<td class="nump">2,239<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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance', window );">Unpaid Principal Balance, With no related allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">1,285<span></span>
</td>
<td class="nump">920<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_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance', window );">Unpaid Principal Balance, With an allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">10<span></span>
</td>
<td class="nump">2,239<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_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related Allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">10<span></span>
</td>
<td class="nump">911<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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment', window );">Average Recorded Investment, With no related allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,013<span></span>
</td>
<td class="nump">1,014<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_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment', window );">Average Recorded Investment, With an allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 449<span></span>
</td>
<td class="nump">$ 1,560<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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod', window );">Interest Income Recognized, With no related allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <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_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod', window );">Interest Income Recognized, With an allowance recorded</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr><td colspan="4"></td></tr>
<tr><td colspan="4"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top">Difference between recorded investment and unpaid principal balance represents partial charge-offs.</td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableImpairedLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_FinancingReceivableImpairedLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment">
<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>Average amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5212-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 17<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5258-111524<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;">us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod">
<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>Amount of interest income recognized that the financing receivables (with related allowance for credit losses and without a related allowance for credit losses) were impaired.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5212-111524<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;">us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_ImpairedFinancingReceivableRecordedInvestment">
<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>Amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 14A<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953550-111524<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;">us-gaap_ImpairedFinancingReceivableRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance">
<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>Amount of allowance for credit losses related to recorded investment.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (a)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5212-111524<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;">us-gaap_ImpairedFinancingReceivableRelatedAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance">
<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>Amount of unpaid principal balance of impaired financing receivables with related allowance for credit losses and without related allowance for credit losses.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (a)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5212-111524<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;">us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment">
<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>Amount of average investment of impaired financing receivables for which there is no related allowance for credit losses.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 17<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5258-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5212-111524<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;">us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod">
<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>Amount of interest income, recognized on accrual basis, on financing receivables that are recognized as impaired, for which there is no related allowance for credit losses.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5212-111524<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;">us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment">
<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>Amount of investment in impaired financing receivables for which there is no related allowance for credit losses.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 14A<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953550-111524<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;">us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance">
<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>Amount of unpaid principal balance of impaired financing receivables for which there is no related allowance for credit losses.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (a)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5212-111524<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;">us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment">
<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>Amount of average investment of impaired financing receivables for which there is a related allowance for credit losses.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5212-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 17<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5258-111524<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;">us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod">
<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>Amount of interest income, recognized on accrual basis, on financing receivables, for which there is a related allowance for credit losses and are recognized as impaired.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5212-111524<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;">us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment">
<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>Amount of investment in impaired financing receivables for which there is a related allowance for credit losses.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 14A<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953550-111524<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;">us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance">
<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>Unpaid principal balance of impaired financing receivables for which there is a related allowance for credit losses.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (a)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5212-111524<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;">us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<head>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6827423088">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans (Commercial Loan Portfolio Categorized By Internally Assigned Asset Classification) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="nump">$ 2,052,600<span></span>
</td>
<td class="nump">$ 1,881,071<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember', window );">Commercial Business [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="nump">313,475<span></span>
</td>
<td class="nump">267,377<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember', window );">Commercial Business [Member] | Uncriticized [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="nump">298,413<span></span>
</td>
<td class="nump">250,961<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember', window );">Commercial Business [Member] | Special Mention [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="nump">4,916<span></span>
</td>
<td class="nump">5,530<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember', window );">Commercial Business [Member] | Substandard [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="nump">$ 10,146<span></span>
</td>
<td class="nump">$ 10,886<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember', window );">Commercial Business [Member] | Doubtful [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember', window );">Commercial Mortgage [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="nump">$ 567,481<span></span>
</td>
<td class="nump">$ 476,407<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember', window );">Commercial Mortgage [Member] | Uncriticized [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="nump">551,603<span></span>
</td>
<td class="nump">460,880<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember', window );">Commercial Mortgage [Member] | Special Mention [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="nump">9,015<span></span>
</td>
<td class="nump">5,411<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember', window );">Commercial Mortgage [Member] | Substandard [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="nump">$ 6,863<span></span>
</td>
<td class="nump">$ 10,116<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember', window );">Commercial Mortgage [Member] | Doubtful [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_FinancingReceivableRecordedInvestmentLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount">
<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>Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<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;">us-gaap_LoansAndLeasesReceivableGrossCarryingAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</body>
</html>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>81
<FILENAME>R68.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6827566304">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans (Retail Loan Portfolio Categorized By Payment Status) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="nump">$ 2,052,600<span></span>
</td>
<td class="nump">$ 1,881,071<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialMortgageMember', window );">Residential Mortgage [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="nump">98,302<span></span>
</td>
<td class="nump">100,241<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialMortgageMember', window );">Residential Mortgage [Member] | Performing [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="nump">96,977<span></span>
</td>
<td class="nump">99,047<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialMortgageMember', window );">Residential Mortgage [Member] | Non-Performing [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="nump">1,325<span></span>
</td>
<td class="nump">1,194<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityMember', window );">Home Equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="nump">402,487<span></span>
</td>
<td class="nump">379,774<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityMember', window );">Home Equity [Member] | Performing [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="nump">401,729<span></span>
</td>
<td class="nump">379,311<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityMember', window );">Home Equity [Member] | Non-Performing [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="nump">758<span></span>
</td>
<td class="nump">463<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_ConsumerIndirectMember', window );">Consumer Indirect [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="nump">652,494<span></span>
</td>
<td class="nump">636,357<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_ConsumerIndirectMember', window );">Consumer Indirect [Member] | Performing [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="nump">651,027<span></span>
</td>
<td class="nump">635,188<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_ConsumerIndirectMember', window );">Consumer Indirect [Member] | Non-Performing [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="nump">1,467<span></span>
</td>
<td class="nump">1,169<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerOtherFinancingReceivableMember', window );">Other Consumer [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="nump">18,361<span></span>
</td>
<td class="nump">20,915<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerOtherFinancingReceivableMember', window );">Other Consumer [Member] | Performing [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="nump">18,340<span></span>
</td>
<td class="nump">20,896<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerOtherFinancingReceivableMember', window );">Other Consumer [Member] | Non-Performing [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Loans</a></td>
<td class="nump">$ 21<span></span>
</td>
<td class="nump">$ 19<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_FinancingReceivableRecordedInvestmentLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount">
<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>Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<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;">us-gaap_LoansAndLeasesReceivableGrossCarryingAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialMortgageMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialMortgageMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PerformingFinancingReceivableMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_PerformingFinancingReceivableMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_NonperformingFinancingReceivableMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_NonperformingFinancingReceivableMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_ConsumerIndirectMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_ConsumerIndirectMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerOtherFinancingReceivableMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerOtherFinancingReceivableMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>82
<FILENAME>R69.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6828294928">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans (Changes In The Allowance For Loan Losses) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Beginning balance</a></td>
<td class="nump">$ 27,637<span></span>
</td>
<td class="nump">$ 26,736<span></span>
</td>
<td class="nump">$ 24,714<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_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
<td class="num">(12,958)<span></span>
</td>
<td class="num">(12,014)<span></span>
</td>
<td class="num">(11,478)<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_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
<td class="nump">5,025<span></span>
</td>
<td class="nump">5,126<span></span>
</td>
<td class="nump">4,421<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_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision (credit)</a></td>
<td class="nump">7,381<span></span>
</td>
<td class="nump">7,789<span></span>
</td>
<td class="nump">9,079<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_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Ending balance</a></td>
<td class="nump">27,085<span></span>
</td>
<td class="nump">27,637<span></span>
</td>
<td class="nump">26,736<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_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Allowance for loan losses, Individually Evaluated for impairment</a></td>
<td class="nump">1,006<span></span>
</td>
<td class="nump">2,467<span></span>
</td>
<td class="nump">1,258<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_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Allowance for loan losses, Collectively Evaluated for impairment</a></td>
<td class="nump">26,079<span></span>
</td>
<td class="nump">25,170<span></span>
</td>
<td class="nump">25,478<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_us-gaap_NotesReceivableGross', window );">Loans, Ending balance</a></td>
<td class="nump">2,052,600<span></span>
</td>
<td class="nump">1,881,071<span></span>
</td>
<td class="nump">1,802,105<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_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Loans, Individually Evaluated for impairment</a></td>
<td class="nump">4,869<span></span>
</td>
<td class="nump">7,308<span></span>
</td>
<td class="nump">13,137<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_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Loans, Collectively Evaluated for impairment</a></td>
<td class="nump">2,047,731<span></span>
</td>
<td class="nump">1,873,763<span></span>
</td>
<td class="nump">1,788,968<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember', window );">Commercial Business [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Beginning balance</a></td>
<td class="nump">5,621<span></span>
</td>
<td class="nump">4,273<span></span>
</td>
<td class="nump">4,884<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_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
<td class="num">(1,433)<span></span>
</td>
<td class="num">(204)<span></span>
</td>
<td class="num">(1,070)<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_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
<td class="nump">212<span></span>
</td>
<td class="nump">201<span></span>
</td>
<td class="nump">349<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_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision (credit)</a></td>
<td class="nump">1,140<span></span>
</td>
<td class="nump">1,351<span></span>
</td>
<td class="nump">110<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_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Ending balance</a></td>
<td class="nump">5,540<span></span>
</td>
<td class="nump">5,621<span></span>
</td>
<td class="nump">4,273<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_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Allowance for loan losses, Individually Evaluated for impairment</a></td>
<td class="nump">996<span></span>
</td>
<td class="nump">1,556<span></span>
</td>
<td class="nump">201<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_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Allowance for loan losses, Collectively Evaluated for impairment</a></td>
<td class="nump">4,544<span></span>
</td>
<td class="nump">4,065<span></span>
</td>
<td class="nump">4,072<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_us-gaap_NotesReceivableGross', window );">Loans, Ending balance</a></td>
<td class="nump">313,475<span></span>
</td>
<td class="nump">267,377<span></span>
</td>
<td class="nump">265,751<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_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Loans, Individually Evaluated for impairment</a></td>
<td class="nump">3,922<span></span>
</td>
<td class="nump">4,288<span></span>
</td>
<td class="nump">3,474<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_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Loans, Collectively Evaluated for impairment</a></td>
<td class="nump">309,553<span></span>
</td>
<td class="nump">263,089<span></span>
</td>
<td class="nump">262,277<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember', window );">Commercial Mortgage [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Beginning balance</a></td>
<td class="nump">8,122<span></span>
</td>
<td class="nump">7,743<span></span>
</td>
<td class="nump">6,581<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_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
<td class="num">(895)<span></span>
</td>
<td class="num">(304)<span></span>
</td>
<td class="num">(553)<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_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
<td class="nump">146<span></span>
</td>
<td class="nump">143<span></span>
</td>
<td class="nump">319<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_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision (credit)</a></td>
<td class="nump">1,654<span></span>
</td>
<td class="nump">540<span></span>
</td>
<td class="nump">1,396<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_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Ending balance</a></td>
<td class="nump">9,027<span></span>
</td>
<td class="nump">8,122<span></span>
</td>
<td class="nump">7,743<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_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Allowance for loan losses, Individually Evaluated for impairment</a></td>
<td class="nump">10<span></span>
</td>
<td class="nump">911<span></span>
</td>
<td class="nump">1,057<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_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Allowance for loan losses, Collectively Evaluated for impairment</a></td>
<td class="nump">9,017<span></span>
</td>
<td class="nump">7,211<span></span>
</td>
<td class="nump">6,686<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_us-gaap_NotesReceivableGross', window );">Loans, Ending balance</a></td>
<td class="nump">567,481<span></span>
</td>
<td class="nump">476,407<span></span>
</td>
<td class="nump">470,312<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_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Loans, Individually Evaluated for impairment</a></td>
<td class="nump">947<span></span>
</td>
<td class="nump">3,020<span></span>
</td>
<td class="nump">9,663<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_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Loans, Collectively Evaluated for impairment</a></td>
<td class="nump">566,534<span></span>
</td>
<td class="nump">473,387<span></span>
</td>
<td class="nump">460,649<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialMortgageMember', window );">Residential Mortgage [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Beginning balance</a></td>
<td class="nump">570<span></span>
</td>
<td class="nump">676<span></span>
</td>
<td class="nump">740<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_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
<td class="num">(175)<span></span>
</td>
<td class="num">(190)<span></span>
</td>
<td class="num">(411)<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_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
<td class="nump">82<span></span>
</td>
<td class="nump">39<span></span>
</td>
<td class="nump">54<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_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision (credit)</a></td>
<td class="num">(13)<span></span>
</td>
<td class="nump">45<span></span>
</td>
<td class="nump">293<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_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Ending balance</a></td>
<td class="nump">464<span></span>
</td>
<td class="nump">570<span></span>
</td>
<td class="nump">676<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_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Allowance for loan losses, Collectively Evaluated for impairment</a></td>
<td class="nump">464<span></span>
</td>
<td class="nump">570<span></span>
</td>
<td class="nump">676<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_us-gaap_NotesReceivableGross', window );">Loans, Ending balance</a></td>
<td class="nump">98,302<span></span>
</td>
<td class="nump">100,241<span></span>
</td>
<td class="nump">113,101<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_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Loans, Collectively Evaluated for impairment</a></td>
<td class="nump">98,302<span></span>
</td>
<td class="nump">100,241<span></span>
</td>
<td class="nump">113,101<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityMember', window );">Home Equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Beginning balance</a></td>
<td class="nump">1,485<span></span>
</td>
<td class="nump">1,367<span></span>
</td>
<td class="nump">1,282<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_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
<td class="num">(421)<span></span>
</td>
<td class="num">(340)<span></span>
</td>
<td class="num">(391)<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_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
<td class="nump">63<span></span>
</td>
<td class="nump">56<span></span>
</td>
<td class="nump">157<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_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision (credit)</a></td>
<td class="nump">101<span></span>
</td>
<td class="nump">402<span></span>
</td>
<td class="nump">319<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_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Ending balance</a></td>
<td class="nump">1,228<span></span>
</td>
<td class="nump">1,485<span></span>
</td>
<td class="nump">1,367<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_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Allowance for loan losses, Collectively Evaluated for impairment</a></td>
<td class="nump">1,228<span></span>
</td>
<td class="nump">1,485<span></span>
</td>
<td class="nump">1,367<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_us-gaap_NotesReceivableGross', window );">Loans, Ending balance</a></td>
<td class="nump">402,487<span></span>
</td>
<td class="nump">379,774<span></span>
</td>
<td class="nump">320,658<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_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Loans, Collectively Evaluated for impairment</a></td>
<td class="nump">402,487<span></span>
</td>
<td class="nump">379,774<span></span>
</td>
<td class="nump">320,658<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_ConsumerIndirectMember', window );">Consumer Indirect [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Beginning balance</a></td>
<td class="nump">11,383<span></span>
</td>
<td class="nump">12,230<span></span>
</td>
<td class="nump">10,715<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_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
<td class="num">(9,156)<span></span>
</td>
<td class="num">(10,004)<span></span>
</td>
<td class="num">(8,125)<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_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
<td class="nump">4,200<span></span>
</td>
<td class="nump">4,321<span></span>
</td>
<td class="nump">3,161<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_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision (credit)</a></td>
<td class="nump">4,031<span></span>
</td>
<td class="nump">4,836<span></span>
</td>
<td class="nump">6,479<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_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Ending balance</a></td>
<td class="nump">10,458<span></span>
</td>
<td class="nump">11,383<span></span>
</td>
<td class="nump">12,230<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_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Allowance for loan losses, Collectively Evaluated for impairment</a></td>
<td class="nump">10,458<span></span>
</td>
<td class="nump">11,383<span></span>
</td>
<td class="nump">12,230<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_us-gaap_NotesReceivableGross', window );">Loans, Ending balance</a></td>
<td class="nump">652,494<span></span>
</td>
<td class="nump">636,357<span></span>
</td>
<td class="nump">609,390<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_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Loans, Collectively Evaluated for impairment</a></td>
<td class="nump">652,494<span></span>
</td>
<td class="nump">636,357<span></span>
</td>
<td class="nump">609,390<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerOtherFinancingReceivableMember', window );">Other Consumer [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Beginning balance</a></td>
<td class="nump">456<span></span>
</td>
<td class="nump">447<span></span>
</td>
<td class="nump">512<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_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
<td class="num">(878)<span></span>
</td>
<td class="num">(972)<span></span>
</td>
<td class="num">(928)<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_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
<td class="nump">322<span></span>
</td>
<td class="nump">366<span></span>
</td>
<td class="nump">381<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_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision (credit)</a></td>
<td class="nump">468<span></span>
</td>
<td class="nump">615<span></span>
</td>
<td class="nump">482<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_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Ending balance</a></td>
<td class="nump">368<span></span>
</td>
<td class="nump">456<span></span>
</td>
<td class="nump">447<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_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Allowance for loan losses, Collectively Evaluated for impairment</a></td>
<td class="nump">368<span></span>
</td>
<td class="nump">456<span></span>
</td>
<td class="nump">447<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_us-gaap_NotesReceivableGross', window );">Loans, Ending balance</a></td>
<td class="nump">18,361<span></span>
</td>
<td class="nump">20,915<span></span>
</td>
<td class="nump">22,893<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_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Loans, Collectively Evaluated for impairment</a></td>
<td class="nump">$ 18,361<span></span>
</td>
<td class="nump">$ 20,915<span></span>
</td>
<td class="nump">$ 22,893<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLosses">
<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 valuation allowance for financing receivables that are expected to be uncollectible.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<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;">us-gaap_FinancingReceivableAllowanceForCreditLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment">
<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 valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<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;">us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1">
<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>Amount of valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<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;">us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery">
<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>Amount of recovery of financing receivables doubtful of collection that were previously charged off.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<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;">us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs">
<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>Amount of direct write-downs of financing receivables charged against the allowance.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<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;">us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment">
<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 balance of financing receivables that were collectively evaluated for impairment.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<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;">us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment">
<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 balance of financing receivables that were individually evaluated for impairment.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<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;">us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NotesReceivableGross">
<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>Amount representing an agreement for an unconditional promise by the maker to pay the entity (holder) a definite sum of money at a future date. Such amount may include accrued interest receivable in accordance with the terms of the note. The note also may contain provisions and related items including a discount or premium, payable on demand, secured, or unsecured, interest bearing or noninterest bearing, among a myriad of other features and characteristics. Excludes amounts related to receivables held-for-sale.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.10(3))<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 10<br> -Subparagraph 3<br> -Article 9<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;">us-gaap_NotesReceivableGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses">
<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>Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.11)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 11<br> -Article 9<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;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialAndIndustrialMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialMortgageMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialMortgageMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityMember</td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6822866848">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Premises And Equipment, Net (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_PropertyPlantAndEquipmentGross', window );">Premises and equipment</a></td>
<td class="nump">$ 84,187<span></span>
</td>
<td class="nump">$ 77,476<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment', window );">Accumulated depreciation and amortization</a></td>
<td class="num">(44,742)<span></span>
</td>
<td class="num">(41,082)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Premises and equipment, net</a></td>
<td class="nump">39,445<span></span>
</td>
<td class="nump">36,394<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DepreciationAndAmortization', window );">Depreciation and amortization</a></td>
<td class="nump">5,429<span></span>
</td>
<td class="nump">4,583<span></span>
</td>
<td class="nump">$ 4,181<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LandAndLandImprovementsMember', window );">Land And Land Improvements [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<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_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_PropertyPlantAndEquipmentGross', window );">Premises and equipment</a></td>
<td class="nump">5,917<span></span>
</td>
<td class="nump">4,797<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=fisi_BuildingsAndLeaseholdImprovementsMember', window );">Buildings And Leasehold Improvements [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<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_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<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_us-gaap_PropertyPlantAndEquipmentGross', window );">Premises and equipment</a></td>
<td class="nump">46,402<span></span>
</td>
<td class="nump">42,826<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=fisi_FurnitureFixturesEquipmentAndVehiclesMember', window );">Furniture Fixtures Equipment And Vehicles [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_PropertyPlantAndEquipmentGross', window );">Premises and equipment</a></td>
<td class="nump">31,868<span></span>
</td>
<td class="nump">29,853<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeStatementLocationAxis=fisi_OccupancyAndEquipmentExpenseMember', window );">Occupancy And Equipment Expense [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DepreciationAndAmortization', window );">Depreciation and amortization</a></td>
<td class="nump">$ 4,400<span></span>
</td>
<td class="nump">$ 4,000<span></span>
</td>
<td class="nump">$ 3,800<span></span>
</td>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment">
<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>Amount of accumulated depreciation, depletion and amortization for physical assets used in the normal conduct of business to produce goods and services.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 14<br> -Article 5<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;">us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepreciationAndAmortization">
<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 current period expense charged against earnings on long-lived, physical assets not used in production, and which are not intended for resale, to allocate or recognize the cost of such assets over their useful lives; or to record the reduction in book value of an intangible asset over the benefit period of such asset; or to reflect consumption during the period of an asset that is not used in production.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<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;">us-gaap_DepreciationAndAmortization</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentGross">
<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>Amount before accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<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;">us-gaap_PropertyPlantAndEquipmentGross</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_PropertyPlantAndEquipmentLineItems</td>
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<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>Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 13<br> -Subparagraph a<br> -Article 5<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 8<br> -Article 7<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;">us-gaap_PropertyPlantAndEquipmentNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LandAndLandImprovementsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LandAndLandImprovementsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=fisi_BuildingsAndLeaseholdImprovementsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=fisi_FurnitureFixturesEquipmentAndVehiclesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeStatementLocationAxis=fisi_OccupancyAndEquipmentExpenseMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeStatementLocationAxis=fisi_OccupancyAndEquipmentExpenseMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<DOCUMENT>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6828237360">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Goodwill And Other Intangible Assets (Narrative) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_Goodwill', window );">Goodwill</a></td>
<td class="nump">$ 60,402<span></span>
</td>
<td class="nump">$ 61,153<span></span>
</td>
<td class="nump">$ 48,536<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_us-gaap_GoodwillImpairmentLoss', window );">Goodwill impairment</a></td>
<td class="nump">$ 751<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_CoreDepositsMember', window );">Core Deposits [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_AmortizationOfIntangibleAssets', window );">Amortization during the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 341<span></span>
</td>
<td class="nump">$ 387<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationOfIntangibleAssets">
<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 aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6388964&amp;loc=d3e16225-109274<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16323-109275<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;">us-gaap_AmortizationOfIntangibleAssets</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_FiniteLivedIntangibleAssetsLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Goodwill">
<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>Amount after accumulated impairment loss of an asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13770-109266<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;">us-gaap_Goodwill</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillImpairmentLoss">
<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>Amount of loss from the write-down of an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13854-109267<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13777-109266<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<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;">us-gaap_GoodwillImpairmentLoss</td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_CoreDepositsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<DOCUMENT>
<TYPE>XML
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<FILENAME>R72.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6846423824">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Goodwill And Other Intangible Assets (Changes In Carrying Amount Of Goodwill) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</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_us-gaap_GoodwillLineItems', window );"><strong>Goodwill [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_Goodwill', window );">Goodwill, beginning balance</a></td>
<td class="nump">$ 61,153<span></span>
</td>
<td class="nump">$ 48,536<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_us-gaap_GoodwillPeriodIncreaseDecrease', window );">Acquisition</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,617<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_us-gaap_GoodwillImpairmentLoss', window );">Impairment</a></td>
<td class="num">(751)<span></span>
</td>
<td class="text">&#160;<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_us-gaap_Goodwill', window );">Goodwill, ending balance</a></td>
<td class="nump">60,402<span></span>
</td>
<td class="nump">61,153<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=fisi_BankingSegmentMember', window );">Banking [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_GoodwillLineItems', window );"><strong>Goodwill [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_Goodwill', window );">Goodwill, beginning balance</a></td>
<td class="nump">$ 48,536<span></span>
</td>
<td class="nump">$ 48,536<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_us-gaap_GoodwillPeriodIncreaseDecrease', window );">Acquisition</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <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_us-gaap_GoodwillImpairmentLoss', window );">Impairment</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<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_us-gaap_Goodwill', window );">Goodwill, ending balance</a></td>
<td class="nump">$ 48,536<span></span>
</td>
<td class="nump">$ 48,536<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=fisi_InsuranceSegmentMember', window );">Insurance [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_GoodwillLineItems', window );"><strong>Goodwill [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_Goodwill', window );">Goodwill, beginning balance</a></td>
<td class="nump">12,617<span></span>
</td>
<td class="text"> <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_us-gaap_GoodwillPeriodIncreaseDecrease', window );">Acquisition</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 12,617<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_us-gaap_GoodwillImpairmentLoss', window );">Impairment</a></td>
<td class="num">(751)<span></span>
</td>
<td class="text">&#160;<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_us-gaap_Goodwill', window );">Goodwill, ending balance</a></td>
<td class="nump">$ 11,866<span></span>
</td>
<td class="nump">$ 12,617<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after accumulated impairment loss of an asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13770-109266<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;">us-gaap_Goodwill</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of loss from the write-down of an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13854-109267<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13777-109266<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<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>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_GoodwillLineItems</td>
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<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>Amount of increase (decrease) of an asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<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;">us-gaap_GoodwillPeriodIncreaseDecrease</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6846127968">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Goodwill And Other Intangible Assets (Changes In The Accumulated Amortization And Net Book Value) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_GoodwillLineItems', window );"><strong>Goodwill [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Net carrying value at end of period</a></td>
<td class="nump">$ 6,544<span></span>
</td>
<td class="nump">$ 7,486<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_CoreDepositsMember', window );">Core Deposits [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_GoodwillLineItems', window );"><strong>Goodwill [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FiniteLivedIntangibleAssetsGross', window );">Gross carrying amount</a></td>
<td class="nump">2,042<span></span>
</td>
<td class="nump">2,042<span></span>
</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_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization', window );">Accumulated amortization</a></td>
<td class="num">(1,213)<span></span>
</td>
<td class="num">(917)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Net carrying value at end of period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,125<span></span>
</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_us-gaap_AmortizationOfIntangibleAssets', window );">Amortization during the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">341<span></span>
</td>
<td class="nump">$ 387<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_OtherIntangibleAssetsMember', window );">Other Intangible Assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_GoodwillLineItems', window );"><strong>Goodwill [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FiniteLivedIntangibleAssetsGross', window );">Gross carrying amount</a></td>
<td class="nump">6,640<span></span>
</td>
<td class="nump">6,640<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<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_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization', window );">Accumulated amortization</a></td>
<td class="num">(925)<span></span>
</td>
<td class="num">(279)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Net carrying value at end of period</a></td>
<td class="nump">5,715<span></span>
</td>
<td class="nump">6,361<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<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_us-gaap_AmortizationOfIntangibleAssets', window );">Amortization during the year</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 279<span></span>
</td>
<td class="text">&#160;<span></span>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationOfIntangibleAssets">
<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 aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6388964&amp;loc=d3e16225-109274<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16323-109275<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;">us-gaap_AmortizationOfIntangibleAssets</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization">
<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>Accumulated amount of amortization of assets, excluding financial assets and goodwill, lacking physical substance with a finite life.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16323-109275<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;">us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FiniteLivedIntangibleAssetsGross">
<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>Amount before amortization of assets, excluding financial assets and goodwill, lacking physical substance with a finite life.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16323-109275<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;">us-gaap_FiniteLivedIntangibleAssetsGross</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FiniteLivedIntangibleAssetsNet">
<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>Amount after amortization of assets, excluding financial assets and goodwill, lacking physical substance with a finite life.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16323-109275<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;">us-gaap_FiniteLivedIntangibleAssetsNet</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_GoodwillLineItems</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_CoreDepositsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_OtherIntangibleAssetsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6815530864">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Goodwill And Other Intangible Assets (Estimated Core Deposit Intangible Amortization Expense) (Details)<br> $ in Thousands</strong></div></th>
<th class="th">
<div>Dec. 31, 2015 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract', window );"><strong>Goodwill And Other Intangible Assets [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths', window );">2016</a></td>
<td class="nump">$ 864<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_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo', window );">2017</a></td>
<td class="nump">778<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_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree', window );">2018</a></td>
<td class="nump">689<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_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour', window );">2019</a></td>
<td class="nump">611<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_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive', window );">2020</a></td>
<td class="nump">$ 533<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths">
<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>Amount of amortization expense for assets, excluding financial assets and goodwill, lacking physical substance with a finite life expected to be recognized during the next fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16323-109275<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;">us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td>instant</td>
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<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>Amount of amortization expense for assets, excluding financial assets and goodwill, lacking physical substance with a finite life expected to be recognized during the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16323-109275<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;">us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<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>Amount of amortization expense for assets, excluding financial assets and goodwill, lacking physical substance with a finite life expected to be recognized during the fourth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16323-109275<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;">us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<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>Amount of amortization expense for assets, excluding financial assets and goodwill, lacking physical substance with a finite life expected to be recognized during the third fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16323-109275<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;">us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<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>Amount of amortization expense for assets, excluding financial assets and goodwill, lacking physical substance with a finite life expected to be recognized during the second fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16323-109275<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;">us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo</td>
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<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 );">- References</a><div><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;">us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6834122784">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Deposits (Narrative) (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</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_us-gaap_DepositsAbstract', window );"><strong>Deposits:</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_TimeDeposits100000OrMore', window );">Time deposits, $250,000 or more</a></td>
<td class="nump">$ 92.0<span></span>
</td>
<td class="nump">$ 66.5<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsAbstract">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><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;">us-gaap_DepositsAbstract</td>
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<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_us-gaap_TimeDeposits100000OrMore">
<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 aggregate amount of domestic and foreign time deposit liabilities (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 405<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Industry Guide<br> -Number 3<br> -Section V<br> -Paragraph A<br> -Subparagraph 4<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDeposits100000OrMore</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6846520560">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Deposits (Summary Of Deposits) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</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_us-gaap_DepositsAbstract', window );"><strong>Deposits:</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_NoninterestBearingDepositLiabilities', window );">Noninterest-bearing demand</a></td>
<td class="nump">$ 641,972<span></span>
</td>
<td class="nump">$ 571,260<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_us-gaap_InterestBearingDepositLiabilities', window );">Interest-bearing demand</a></td>
<td class="nump">523,366<span></span>
</td>
<td class="nump">490,190<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_us-gaap_DepositsSavingsDeposits', window );">Savings and money market</a></td>
<td class="nump">928,175<span></span>
</td>
<td class="nump">795,835<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_us-gaap_TimeDepositMaturitiesYearOne', window );">Certificates of deposit, due: Within one year</a></td>
<td class="nump">450,885<span></span>
</td>
<td class="nump">395,956<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_us-gaap_TimeDepositMaturitiesYearTwo', window );">Certificates of deposit, due: One to two years</a></td>
<td class="nump">97,059<span></span>
</td>
<td class="nump">122,819<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_us-gaap_TimeDepositMaturitiesYearThree', window );">Certificates of deposit, due: Two to three years</a></td>
<td class="nump">46,545<span></span>
</td>
<td class="nump">11,448<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_us-gaap_TimeDepositMaturitiesYearFour', window );">Certificates of deposit, due: Three to five years</a></td>
<td class="nump">42,482<span></span>
</td>
<td class="nump">62,991<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_us-gaap_TimeDepositMaturitiesAfterYearFive', window );">Certificates of deposit, due: Thereafter</a></td>
<td class="nump">47<span></span>
</td>
<td class="nump">28<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Total time deposits</a></td>
<td class="nump">637,018<span></span>
</td>
<td class="nump">593,242<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
<td class="nump">$ 2,730,531<span></span>
</td>
<td class="nump">$ 2,450,527<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
<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 aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 12<br> -Article 9<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;">us-gaap_Deposits</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td>instant</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsAbstract">
<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 );">- References</a><div><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;">us-gaap_DepositsAbstract</td>
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<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>Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<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;">us-gaap_DepositsSavingsDeposits</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDepositLiabilities">
<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 aggregate of all domestic and foreign interest-bearing deposit liabilities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 12<br> -Article 9<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;">us-gaap_InterestBearingDepositLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<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 aggregate amount of all domestic and foreign noninterest-bearing deposits liabilities held by the entity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 12<br> -Article 9<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;">us-gaap_NoninterestBearingDepositLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesAfterYearFive">
<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>Amount of time deposits maturing after the fifth fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<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;">us-gaap_TimeDepositMaturitiesAfterYearFive</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearFour">
<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>Amount of time deposits maturing in the fourth fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<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;">us-gaap_TimeDepositMaturitiesYearFour</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearOne">
<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>Amount of time deposits maturing in the next fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<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;">us-gaap_TimeDepositMaturitiesYearOne</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearThree">
<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>Amount of time deposits maturing in the third fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<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;">us-gaap_TimeDepositMaturitiesYearThree</td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearTwo">
<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>Amount of time deposits maturing in the second fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<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;">us-gaap_TimeDepositMaturitiesYearTwo</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits">
<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>Amount of deposits that cannot be withdrawn before a set date without penalty or for which notice of withdrawal is required. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 12<br> -Article 9<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;">us-gaap_TimeDeposits</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td>instant</td>
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<head>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6807345728">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Deposits (Interest Expense By Deposits Type) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_DepositsAbstract', window );"><strong>Deposits:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_InterestExpenseDemandDepositAccounts', window );">Interest-bearing demand</a></td>
<td class="nump">$ 754<span></span>
</td>
<td class="nump">$ 607<span></span>
</td>
<td class="nump">$ 729<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_us-gaap_InterestExpenseSavingsDeposits', window );">Savings and money market</a></td>
<td class="nump">1,166<span></span>
</td>
<td class="nump">913<span></span>
</td>
<td class="nump">978<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_us-gaap_InterestExpenseTimeDeposits', window );">Time deposits</a></td>
<td class="nump">5,386<span></span>
</td>
<td class="nump">4,846<span></span>
</td>
<td class="nump">4,893<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseDeposits', window );">Total interest expense on deposits</a></td>
<td class="nump">$ 7,306<span></span>
</td>
<td class="nump">$ 6,366<span></span>
</td>
<td class="nump">$ 6,600<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsAbstract">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><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;">us-gaap_DepositsAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Interest expense incurred on demand deposit accounts that represent borrowings rather than outstanding drafts.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.6)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<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;">us-gaap_InterestExpenseDemandDepositAccounts</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate amount of interest expense on all deposits.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.6)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 6<br> -Article 9<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;">us-gaap_InterestExpenseDeposits</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Interest expense incurred on all savings account deposits.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.6)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 6<br> -Article 9<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;">us-gaap_InterestExpenseSavingsDeposits</td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate interest expense incurred on time deposits, including certificates of deposits, in domestic offices.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.6)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 6<br> -Article 9<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>
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<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">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825539136">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Borrowings (Narrative) (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Apr. 15, 2015</div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Jun. 30, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtLineItems', window );"><strong>Short-term Debt [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtWeightedAverageInterestRate', window );">Short-term borrowings, weighted average rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.53%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.35%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Short-term borrowings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 293,100,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 334,804,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=fisi_SubordinatedNotes1Member', window );">Subordinated Notes Due April 15, 2030 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShortTermDebtLineItems', window );"><strong>Short-term Debt [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DebtIssuanceCosts', window );">Cost related to issuance of debt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,100,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ProceedsFromDebtNetOfIssuanceCosts', window );">Proceeds from issuance of debt, net</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 38,900,000<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DebtInstrumentFaceAmount', window );">Principal amount</a></td>
<td class="nump">$ 40,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 40,000,000<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest rate</a></td>
<td class="nump">6.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_DebtInstrumentNumberOfYearsAtStatedRate', window );">Number of years at stated rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_DebtIssuanceCostAmortizationPeriod', window );">Debt issuance cost amortization period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">15 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtTypeAxis=us-gaap_FederalHomeLoanBankAdvancesMember', window );">Federal Home Loan Bank Advances [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShortTermDebtLineItems', window );"><strong>Short-term Debt [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShortTermBorrowings', window );">Short-term borrowings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 293,100,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">295,300,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtTypeAxis=fisi_FederalHomeLoanBankOvernightBorrowingsMember', window );">Federal Home Loan Bank Overnight Borrowings [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShortTermDebtLineItems', window );"><strong>Short-term Debt [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShortTermBorrowings', window );">Short-term borrowings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">116,800,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">129,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtTypeAxis=fisi_FederalHomeLoanBorrowingsShortTermAdvancesMember', window );">Federal Home Loan Borrowings Short Term Advances [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShortTermDebtLineItems', window );"><strong>Short-term Debt [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShortTermBorrowings', window );">Short-term borrowings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 176,300,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 166,300,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_VariableRateAxis=us-gaap_LondonInterbankOfferedRateLIBORMember', window );">LIBOR [Member] | Subordinated Notes Due April 15, 2030 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShortTermDebtLineItems', window );"><strong>Short-term Debt [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1', window );">Spread on variable rate</a></td>
<td class="nump">3.944%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_DebtInstrumentNumberOfYearsAtStatedRate">
<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>Debt Instrument, Number of Years at Stated rate</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;">fisi_DebtInstrumentNumberOfYearsAtStatedRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_fisi_DebtIssuanceCostAmortizationPeriod">
<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>Debt Issuance Cost Amortization Period</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;">fisi_DebtIssuanceCostAmortizationPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1">
<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>Percentage points added to the reference rate to compute the variable rate on the debt instrument.</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;">us-gaap_DebtInstrumentBasisSpreadOnVariableRate1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_us-gaap_DebtInstrumentFaceAmount">
<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>Face (par) amount of debt instrument at time of issuance.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 55<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=34725769&amp;loc=d3e28878-108400<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6451184&amp;loc=d3e28551-108399<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;">us-gaap_DebtInstrumentFaceAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentInterestRateStatedPercentage">
<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>Contractual interest rate for funds borrowed, under the debt agreement.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.22(a)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 22<br> -Article 5<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;">us-gaap_DebtInstrumentInterestRateStatedPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtIssuanceCosts">
<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>Amount of debt issuance costs (for example, but not limited to, legal, accounting, broker, and regulatory fees).</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;">us-gaap_DebtIssuanceCosts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ProceedsFromDebtNetOfIssuanceCosts">
<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 cash inflow from additional borrowings, net of cash paid to third parties in connection with debt origination.</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;">us-gaap_ProceedsFromDebtNetOfIssuanceCosts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ShortTermBorrowings">
<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>Reflects the total carrying amount as of the balance sheet date of debt having initial terms less than one year or the normal operating cycle, if longer.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.(a),16(a)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 16<br> -Subparagraph a(1)<br> -Article 7<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 19<br> -Subparagraph a<br> -Article 5<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 13<br> -Subparagraph 2, 3<br> -Article 9<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;">us-gaap_ShortTermBorrowings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermDebtLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_ShortTermDebtLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_ShortTermDebtWeightedAverageInterestRate">
<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>Weighted average interest rate of short-term debt outstanding.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19(b))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 19<br> -Subparagraph b<br> -Article 5<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;">us-gaap_ShortTermDebtWeightedAverageInterestRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=fisi_SubordinatedNotes1Member">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=fisi_SubordinatedNotes1Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermDebtTypeAxis=us-gaap_FederalHomeLoanBankAdvancesMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShortTermDebtTypeAxis=us-gaap_FederalHomeLoanBankAdvancesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermDebtTypeAxis=fisi_FederalHomeLoanBankOvernightBorrowingsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShortTermDebtTypeAxis=fisi_FederalHomeLoanBankOvernightBorrowingsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermDebtTypeAxis=fisi_FederalHomeLoanBorrowingsShortTermAdvancesMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShortTermDebtTypeAxis=fisi_FederalHomeLoanBorrowingsShortTermAdvancesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_VariableRateAxis=us-gaap_LondonInterbankOfferedRateLIBORMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_VariableRateAxis=us-gaap_LondonInterbankOfferedRateLIBORMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<head>
<title></title>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6848016816">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Borrowings (Summary Of Outstanding Borrowings) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</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_us-gaap_ShortTermDebtLineItems', window );"><strong>Short-term Debt [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShortTermBorrowings', window );">Total short-term borrowings</a></td>
<td class="nump">$ 293,100<span></span>
</td>
<td class="nump">$ 334,804<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_us-gaap_SubordinatedDebt', window );">Subordinated notes, net</a></td>
<td class="nump">38,990<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtLongtermAndShorttermCombinedAmount', window );">Total borrowings</a></td>
<td class="nump">332,090<span></span>
</td>
<td class="nump">334,804<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtTypeAxis=us-gaap_RepurchaseAgreementsMember', window );">Repurchase Agreements [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShortTermDebtLineItems', window );"><strong>Short-term Debt [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShortTermBorrowings', window );">Total short-term borrowings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">39,504<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtTypeAxis=us-gaap_FederalHomeLoanBankAdvancesMember', window );">Federal Home Loan Bank Advances [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShortTermDebtLineItems', window );"><strong>Short-term Debt [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShortTermBorrowings', window );">Total short-term borrowings</a></td>
<td class="nump">$ 293,100<span></span>
</td>
<td class="nump">$ 295,300<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtLongtermAndShorttermCombinedAmount">
<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>Represents the aggregate of total long-term debt, including current maturities and short-term debt.</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;">us-gaap_DebtLongtermAndShorttermCombinedAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermBorrowings">
<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>Reflects the total carrying amount as of the balance sheet date of debt having initial terms less than one year or the normal operating cycle, if longer.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.(a),16(a)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 16<br> -Subparagraph a(1)<br> -Article 7<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 19<br> -Subparagraph a<br> -Article 5<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 13<br> -Subparagraph 2, 3<br> -Article 9<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;">us-gaap_ShortTermBorrowings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermDebtLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_ShortTermDebtLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_SubordinatedDebt">
<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>Including the current and noncurrent portions, carrying value as of the balance sheet date of subordinated debt (with initial maturities beyond one year or beyond the operating cycle if longer). Subordinated debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.16)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.16)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Article 5<br> -Subsection 19, 20, 22<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 16<br> -Article 9<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Staff Accounting Bulletin (SAB)<br> -Number Topic 10<br> -Section F<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;">us-gaap_SubordinatedDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermDebtTypeAxis=us-gaap_RepurchaseAgreementsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShortTermDebtTypeAxis=us-gaap_RepurchaseAgreementsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermDebtTypeAxis=us-gaap_FederalHomeLoanBankAdvancesMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShortTermDebtTypeAxis=us-gaap_FederalHomeLoanBankAdvancesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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</div>
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</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6827459344">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Commitments and Contingencies (Narrative) (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_CommitmentsAndContingenciesDisclosureAbstract', window );"><strong>Commitments And Contingencies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_ForwardSalesCommitments', window );">Forward sales commitments</a></td>
<td class="nump">$ 1.3<span></span>
</td>
<td class="nump">$ 1.2<span></span>
</td>
<td class="text">&#160;<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_us-gaap_LeaseAndRentalExpense', window );">Rent expense</a></td>
<td class="nump">$ 2.0<span></span>
</td>
<td class="nump">$ 1.8<span></span>
</td>
<td class="nump">$ 1.7<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_ForwardSalesCommitments">
<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>Commitments to sell residential real estate loans.</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;">fisi_ForwardSalesCommitments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract">
<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 );">- References</a><div><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;">us-gaap_CommitmentsAndContingenciesDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_LeaseAndRentalExpense">
<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>Amount of rent expense incurred for leased assets, including but not limited to, furniture and equipment, that is not directly or indirectly associated with the manufacture, sale or creation of a product or product line.</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;">us-gaap_LeaseAndRentalExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>94
<FILENAME>R81.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
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<body>
<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6824993856">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Commitments and Contingencies (Off-Balance Sheet Commitments) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</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_us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems', window );"><strong>Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_CommitmentsAndContingencies', window );">Off-balance sheet commitments</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CommitmentsToExtendCreditMember', window );">Commitments To Extend Credit [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems', window );"><strong>Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_CommitmentsAndContingencies', window );">Off-balance sheet commitments</a></td>
<td class="nump">$ 514,818<span></span>
</td>
<td class="nump">$ 450,343<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_StandbyLettersOfCreditMember', window );">Standby Letters Of Credit [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems', window );"><strong>Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_CommitmentsAndContingencies', window );">Off-balance sheet commitments</a></td>
<td class="nump">$ 11,746<span></span>
</td>
<td class="nump">$ 8,578<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommitmentsAndContingencies">
<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>Represents the caption on the face of the balance sheet to indicate that the entity has entered into (1) purchase or supply arrangements that will require expending a portion of its resources to meet the terms thereof, and (2) is exposed to potential losses or, less frequently, gains, arising from (a) possible claims against a company's resources due to future performance under contract terms, and (b) possible losses or likely gains from uncertainties that will ultimately be resolved when one or more future events that are deemed likely to occur do occur or fail to occur.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.(a),19)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 450<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=25496072&amp;loc=d3e14326-108349<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.17)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.25)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 19<br> -Article 7<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 25<br> -Article 5<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 17<br> -Article 9<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;">us-gaap_CommitmentsAndContingencies</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_FinancialInstrumentAxis=us-gaap_CommitmentsToExtendCreditMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_CommitmentsToExtendCreditMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_StandbyLettersOfCreditMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_StandbyLettersOfCreditMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>95
<FILENAME>R82.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825671456">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Commitments And Contingencies (Leases Future Minimum Payments By Years And In The Aggregate) (Details)<br> $ in Thousands</strong></div></th>
<th class="th">
<div>Dec. 31, 2015 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract', window );"><strong>Commitments And Contingencies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent', window );">2016</a></td>
<td class="nump">$ 1,644<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_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears', window );">2017</a></td>
<td class="nump">1,271<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_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears', window );">2018</a></td>
<td class="nump">1,020<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_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears', window );">2019</a></td>
<td class="nump">942<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_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears', window );">2020</a></td>
<td class="nump">810<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_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter', window );">Thereafter</a></td>
<td class="nump">3,160<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDue', window );">Lease obligations, total</a></td>
<td class="nump">$ 8,847<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract">
<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 );">- References</a><div><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;">us-gaap_CommitmentsAndContingenciesDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_OperatingLeasesFutureMinimumPaymentsDue">
<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>Amount of required minimum rental payments for leases having an initial or remaining non-cancelable letter-terms in excess of one year.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 10<br> -Section 55<br> -Paragraph 40<br> -Subparagraph (Note 3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<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;">us-gaap_OperatingLeasesFutureMinimumPaymentsDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent">
<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>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the next fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 10<br> -Section 55<br> -Paragraph 40<br> -Subparagraph (Note 3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<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;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears">
<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>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 10<br> -Section 55<br> -Paragraph 40<br> -Subparagraph (Note 3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<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;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears">
<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>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the fourth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 10<br> -Section 55<br> -Paragraph 40<br> -Subparagraph (Note 3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<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;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears">
<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>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the third fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 10<br> -Section 55<br> -Paragraph 40<br> -Subparagraph (Note 3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<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;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears">
<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>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the second fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 10<br> -Section 55<br> -Paragraph 40<br> -Subparagraph (Note 3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<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;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter">
<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>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due after the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 10<br> -Section 55<br> -Paragraph 40<br> -Subparagraph (Note 3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 840<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<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;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6828536544">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Regulatory Matters (Narrative) (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2013</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementEquityComponentsAxis=us-gaap_PreferredStockMember', window );">Preferred Equity [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems', window );"><strong>Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TierOneRiskBasedCapital', window );">Tier 1 capital</a></td>
<td class="nump">$ 17.3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LegalEntityAxis=fisi_FederalReserveBankOfNewYorkMember', window );">Federal Reserve Bank Of New York [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems', window );"><strong>Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_RestrictedCashAndCashEquivalents', window );">Reserve requirement</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementScenarioAxis=fisi_PhaseInScheduleMember', window );">Phase-in Schedule [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems', window );"><strong>Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_CapitalConservationBuffer', window );">Capital Conservation Buffer</a></td>
<td class="nump">0.625%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementScenarioAxis=fisi_FullyPhasedInMember', window );">Fully Phased-in [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems', window );"><strong>Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_CapitalConservationBuffer', window );">Capital Conservation Buffer</a></td>
<td class="nump">2.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=fisi_SubordinatedNotes1Member', window );">Subordinated Notes Due April 15, 2030 [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems', window );"><strong>Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TierTwoRiskBasedCapital', window );">Tier 2 capital</a></td>
<td class="nump">$ 39.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MinimumMember', window );">Minimum [Member] | Fully Phased-in [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems', window );"><strong>Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_TangibleCapitalRequiredForCapitalAdequacyToTangibleAssets', window );">CET1 capital, For Capital Adequacy Purposes, Ratio</a></td>
<td class="nump">4.50%<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Tier 1 capital, For Capital Adequacy Purposes, Ratio</a></td>
<td class="nump">6.00%<span></span>
</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_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Total risk-based capital, For Capital Adequacy Purposes, Ratio</a></td>
<td class="nump">8.00%<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Tier 1 leverage, For Capital Adequacy Purposes, Ratio</a></td>
<td class="nump">4.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_CapitalConservationBuffer">
<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>Capital Conservation Buffer</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;">fisi_CapitalConservationBuffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets">
<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 minimum Total risk based capital ratio (total capital divided by risk weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958570-112826<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;">us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_RestrictedCashAndCashEquivalents">
<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 carrying amounts of cash and cash equivalent items which are restricted as to withdrawal or usage. Restrictions may include legally restricted deposits held as compensating balances against borrowing arrangements, contracts entered into with others, or entity statements of intention with regard to particular deposits; however, time deposits and short-term certificates of deposit are not generally included in legally restricted deposits. Excludes compensating balance arrangements that are not agreements which legally restrict the use of cash amounts shown on the balance sheet. This element is for unclassified presentations; for classified presentations there is a separate and distinct element.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 1<br> -Article 5<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;">us-gaap_RestrictedCashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TangibleCapitalRequiredForCapitalAdequacyToTangibleAssets">
<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 minimum amount of Tangible Capital divided by tangible assets (Tangible Capital Ratio) as defined in the regulations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958570-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<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;">us-gaap_TangibleCapitalRequiredForCapitalAdequacyToTangibleAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets">
<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 minimum amount of Tier 1 Leverage Capital for capital adequacy purposes divided by average assets as defined in the regulations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958570-112826<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;">us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapital">
<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>Tier 1 Risk Based Capital as defined in the regulations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<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;">us-gaap_TierOneRiskBasedCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets">
<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 minimum Tier One Capital Ratio (Tier one capital divided by risk-weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958570-112826<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<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;">us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierTwoRiskBasedCapital">
<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>Tier 2 risk-based capital as defined in the regulations.</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;">us-gaap_TierTwoRiskBasedCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_PreferredStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_PreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LegalEntityAxis=fisi_FederalReserveBankOfNewYorkMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=fisi_FederalReserveBankOfNewYorkMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementScenarioAxis=fisi_PhaseInScheduleMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementScenarioAxis=fisi_PhaseInScheduleMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementScenarioAxis=fisi_FullyPhasedInMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementScenarioAxis=fisi_FullyPhasedInMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=fisi_SubordinatedNotes1Member">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=fisi_SubordinatedNotes1Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RangeAxis=us-gaap_MinimumMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>97
<FILENAME>R84.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6848568320">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Regulatory Matters (Actual And Required Capital Ratios) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LegalEntityAxis=us-gaap_ParentCompanyMember', window );">Parent Company [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems', window );"><strong>Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TierOneLeverageCapital', window );">Tier 1 leverage, Actual Amount</a></td>
<td class="nump">$ 243,452<span></span>
</td>
<td class="nump">$ 219,904<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_us-gaap_TierOneLeverageCapitalToAverageAssets', window );">Tier 1 leverage, Actual Ratio</a></td>
<td class="nump">7.41%<span></span>
</td>
<td class="nump">7.35%<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_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">Tier 1 leverage, For Capital Adequacy Purposes, Amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 119,722<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_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Tier 1 leverage, For Capital Adequacy Purposes, Ratio</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.00%<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_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized', window );">Tier 1 leverage, Well Capitalized, Amount</a></td>
<td class="nump">$ 164,382<span></span>
</td>
<td class="nump">$ 149,653<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_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets', window );">Tier 1 leverage, Well Capitalized, Ratio</a></td>
<td class="nump">5.00%<span></span>
</td>
<td class="nump">5.00%<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_us-gaap_TangibleCapital', window );">CET1 capital, Actual Amount</a></td>
<td class="nump">$ 226,413<span></span>
</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_us-gaap_TangibleCapitalToTangibleAssets', window );">CET1 capital, Actual Ratio</a></td>
<td class="nump">9.77%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_TangibleCapitalRequiredToBeWellCapitalized', window );">CET1 capital, Well Capitalized, Amount</a></td>
<td class="nump">$ 150,705<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_TangibleCapitalRequiredToBeWellCapitalizedToTangibleAssets', window );">CET1 capital, Well Capitalized, Ratio</a></td>
<td class="nump">6.50%<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TierOneRiskBasedCapital', window );">Tier 1 capital, Actual Amount</a></td>
<td class="nump">$ 243,452<span></span>
</td>
<td class="nump">$ 219,904<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_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets', window );">Tier 1 capital, Actual Ratio</a></td>
<td class="nump">10.50%<span></span>
</td>
<td class="nump">10.47%<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_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy', window );">Tier 1 capital, For Capital Adequacy Purposes, Amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 83,985<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_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Tier 1 capital, For Capital Adequacy Purposes, Ratio</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.00%<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_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized', window );">Tier 1 capital, Well Capitalized, Amount</a></td>
<td class="nump">$ 185,483<span></span>
</td>
<td class="nump">$ 125,977<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_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Tier 1 capital, Well Capitalized, Ratio</a></td>
<td class="nump">8.00%<span></span>
</td>
<td class="nump">6.00%<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_us-gaap_Capital', window );">Total risk-based capital, Actual Amount</a></td>
<td class="nump">$ 309,527<span></span>
</td>
<td class="nump">$ 246,166<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_us-gaap_CapitalToRiskWeightedAssets', window );">Total risk-based capital, Actual Ratio</a></td>
<td class="nump">13.35%<span></span>
</td>
<td class="nump">11.72%<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_us-gaap_CapitalRequiredForCapitalAdequacy', window );">Total risk-based capital, For Capital Adequacy Purposes, Amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 167,970<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_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Total risk-based capital, For Capital Adequacy Purposes, Ratio</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8.00%<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_us-gaap_CapitalRequiredToBeWellCapitalized', window );">Total risk-based capital, Well Capitalized, Amount</a></td>
<td class="nump">$ 231,854<span></span>
</td>
<td class="nump">$ 209,962<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_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Total risk-based capital, Well Capitalized, Ratio</a></td>
<td class="nump">10.00%<span></span>
</td>
<td class="nump">10.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LegalEntityAxis=us-gaap_ParentCompanyMember', window );">Parent Company [Member] | Phase-in Schedule [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems', window );"><strong>Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">Tier 1 leverage, For Capital Adequacy Purposes, Amount</a></td>
<td class="nump">$ 131,506<span></span>
</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_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Tier 1 leverage, For Capital Adequacy Purposes, Ratio</a></td>
<td class="nump">4.00%<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TangibleCapitalRequiredForCapitalAdequacy', window );">CET1 capital, For Capital Adequacy Purposes, Amount</a></td>
<td class="nump">$ 104,334<span></span>
</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_us-gaap_TangibleCapitalRequiredForCapitalAdequacyToTangibleAssets', window );">CET1 capital, For Capital Adequacy Purposes, Ratio</a></td>
<td class="nump">4.50%<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy', window );">Tier 1 capital, For Capital Adequacy Purposes, Amount</a></td>
<td class="nump">$ 139,112<span></span>
</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_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Tier 1 capital, For Capital Adequacy Purposes, Ratio</a></td>
<td class="nump">6.00%<span></span>
</td>
<td class="text">&#160;<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_us-gaap_CapitalRequiredForCapitalAdequacy', window );">Total risk-based capital, For Capital Adequacy Purposes, Amount</a></td>
<td class="nump">$ 185,483<span></span>
</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_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Total risk-based capital, For Capital Adequacy Purposes, Ratio</a></td>
<td class="nump">8.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LegalEntityAxis=us-gaap_ParentCompanyMember', window );">Parent Company [Member] | Fully Phased-in [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems', window );"><strong>Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">Tier 1 leverage, For Capital Adequacy Purposes, Amount</a></td>
<td class="nump">$ 131,506<span></span>
</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_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Tier 1 leverage, For Capital Adequacy Purposes, Ratio</a></td>
<td class="nump">4.00%<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TangibleCapitalRequiredForCapitalAdequacy', window );">CET1 capital, For Capital Adequacy Purposes, Amount</a></td>
<td class="nump">$ 162,297<span></span>
</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_us-gaap_TangibleCapitalRequiredForCapitalAdequacyToTangibleAssets', window );">CET1 capital, For Capital Adequacy Purposes, Ratio</a></td>
<td class="nump">7.00%<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy', window );">Tier 1 capital, For Capital Adequacy Purposes, Amount</a></td>
<td class="nump">$ 197,076<span></span>
</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_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Tier 1 capital, For Capital Adequacy Purposes, Ratio</a></td>
<td class="nump">8.50%<span></span>
</td>
<td class="text">&#160;<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_us-gaap_CapitalRequiredForCapitalAdequacy', window );">Total risk-based capital, For Capital Adequacy Purposes, Amount</a></td>
<td class="nump">$ 243,446<span></span>
</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_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Total risk-based capital, For Capital Adequacy Purposes, Ratio</a></td>
<td class="nump">10.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LegalEntityAxis=fisi_BankMember', window );">Bank [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems', window );"><strong>Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TierOneLeverageCapital', window );">Tier 1 leverage, Actual Amount</a></td>
<td class="nump">$ 265,487<span></span>
</td>
<td class="nump">$ 215,672<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_us-gaap_TierOneLeverageCapitalToAverageAssets', window );">Tier 1 leverage, Actual Ratio</a></td>
<td class="nump">8.09%<span></span>
</td>
<td class="nump">7.21%<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_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">Tier 1 leverage, For Capital Adequacy Purposes, Amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 119,671<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_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Tier 1 leverage, For Capital Adequacy Purposes, Ratio</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.00%<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_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized', window );">Tier 1 leverage, Well Capitalized, Amount</a></td>
<td class="nump">$ 163,985<span></span>
</td>
<td class="nump">$ 149,588<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_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets', window );">Tier 1 leverage, Well Capitalized, Ratio</a></td>
<td class="nump">5.00%<span></span>
</td>
<td class="nump">5.00%<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_us-gaap_TangibleCapital', window );">CET1 capital, Actual Amount</a></td>
<td class="nump">$ 265,487<span></span>
</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_us-gaap_TangibleCapitalToTangibleAssets', window );">CET1 capital, Actual Ratio</a></td>
<td class="nump">11.49%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_TangibleCapitalRequiredToBeWellCapitalized', window );">CET1 capital, Well Capitalized, Amount</a></td>
<td class="nump">$ 150,180<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_TangibleCapitalRequiredToBeWellCapitalizedToTangibleAssets', window );">CET1 capital, Well Capitalized, Ratio</a></td>
<td class="nump">6.50%<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TierOneRiskBasedCapital', window );">Tier 1 capital, Actual Amount</a></td>
<td class="nump">$ 265,487<span></span>
</td>
<td class="nump">$ 215,672<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_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets', window );">Tier 1 capital, Actual Ratio</a></td>
<td class="nump">11.49%<span></span>
</td>
<td class="nump">10.28%<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_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy', window );">Tier 1 capital, For Capital Adequacy Purposes, Amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 83,889<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_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Tier 1 capital, For Capital Adequacy Purposes, Ratio</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.00%<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_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized', window );">Tier 1 capital, Well Capitalized, Amount</a></td>
<td class="nump">$ 184,837<span></span>
</td>
<td class="nump">$ 125,834<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_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Tier 1 capital, Well Capitalized, Ratio</a></td>
<td class="nump">8.00%<span></span>
</td>
<td class="nump">6.00%<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_us-gaap_Capital', window );">Total risk-based capital, Actual Amount</a></td>
<td class="nump">$ 292,572<span></span>
</td>
<td class="nump">$ 241,905<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_us-gaap_CapitalToRiskWeightedAssets', window );">Total risk-based capital, Actual Ratio</a></td>
<td class="nump">12.66%<span></span>
</td>
<td class="nump">11.53%<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_us-gaap_CapitalRequiredForCapitalAdequacy', window );">Total risk-based capital, For Capital Adequacy Purposes, Amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 167,779<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_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Total risk-based capital, For Capital Adequacy Purposes, Ratio</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8.00%<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_us-gaap_CapitalRequiredToBeWellCapitalized', window );">Total risk-based capital, Well Capitalized, Amount</a></td>
<td class="nump">$ 231,046<span></span>
</td>
<td class="nump">$ 209,723<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_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Total risk-based capital, Well Capitalized, Ratio</a></td>
<td class="nump">10.00%<span></span>
</td>
<td class="nump">10.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LegalEntityAxis=fisi_BankMember', window );">Bank [Member] | Phase-in Schedule [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems', window );"><strong>Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">Tier 1 leverage, For Capital Adequacy Purposes, Amount</a></td>
<td class="nump">$ 131,188<span></span>
</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_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Tier 1 leverage, For Capital Adequacy Purposes, Ratio</a></td>
<td class="nump">4.00%<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TangibleCapitalRequiredForCapitalAdequacy', window );">CET1 capital, For Capital Adequacy Purposes, Amount</a></td>
<td class="nump">$ 103,971<span></span>
</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_us-gaap_TangibleCapitalRequiredForCapitalAdequacyToTangibleAssets', window );">CET1 capital, For Capital Adequacy Purposes, Ratio</a></td>
<td class="nump">4.50%<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy', window );">Tier 1 capital, For Capital Adequacy Purposes, Amount</a></td>
<td class="nump">$ 138,628<span></span>
</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_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Tier 1 capital, For Capital Adequacy Purposes, Ratio</a></td>
<td class="nump">6.00%<span></span>
</td>
<td class="text">&#160;<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_us-gaap_CapitalRequiredForCapitalAdequacy', window );">Total risk-based capital, For Capital Adequacy Purposes, Amount</a></td>
<td class="nump">$ 184,837<span></span>
</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_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Total risk-based capital, For Capital Adequacy Purposes, Ratio</a></td>
<td class="nump">8.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LegalEntityAxis=fisi_BankMember', window );">Bank [Member] | Fully Phased-in [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems', window );"><strong>Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">Tier 1 leverage, For Capital Adequacy Purposes, Amount</a></td>
<td class="nump">$ 131,188<span></span>
</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_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Tier 1 leverage, For Capital Adequacy Purposes, Ratio</a></td>
<td class="nump">4.00%<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TangibleCapitalRequiredForCapitalAdequacy', window );">CET1 capital, For Capital Adequacy Purposes, Amount</a></td>
<td class="nump">$ 161,733<span></span>
</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_us-gaap_TangibleCapitalRequiredForCapitalAdequacyToTangibleAssets', window );">CET1 capital, For Capital Adequacy Purposes, Ratio</a></td>
<td class="nump">7.00%<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy', window );">Tier 1 capital, For Capital Adequacy Purposes, Amount</a></td>
<td class="nump">$ 196,389<span></span>
</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_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Tier 1 capital, For Capital Adequacy Purposes, Ratio</a></td>
<td class="nump">8.50%<span></span>
</td>
<td class="text">&#160;<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_us-gaap_CapitalRequiredForCapitalAdequacy', window );">Total risk-based capital, For Capital Adequacy Purposes, Amount</a></td>
<td class="nump">$ 242,599<span></span>
</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_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Total risk-based capital, For Capital Adequacy Purposes, Ratio</a></td>
<td class="nump">10.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_TangibleCapitalRequiredToBeWellCapitalized">
<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>Tangible Capital Required to be Well Capitalized</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;">fisi_TangibleCapitalRequiredToBeWellCapitalized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_TangibleCapitalRequiredToBeWellCapitalizedToTangibleAssets">
<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>Tangible Capital Required to be Well Capitalized, to Tangible Assets</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;">fisi_TangibleCapitalRequiredToBeWellCapitalizedToTangibleAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Capital">
<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 amount of total capital as defined in the regulations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 948<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=6490092&amp;loc=d3e47304-110998<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 948<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6490092&amp;loc=d3e47080-110998<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;">us-gaap_Capital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredForCapitalAdequacy">
<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 minimum amount of Total Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<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;">us-gaap_CapitalRequiredForCapitalAdequacy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets">
<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 minimum Total risk based capital ratio (total capital divided by risk weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958570-112826<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;">us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredToBeWellCapitalized">
<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 amount of Total Capital required to be categorized as well as capitalized under the regulatory framework for prompt corrective action.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<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;">us-gaap_CapitalRequiredToBeWellCapitalized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets">
<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 Total risk based capital ratio (total capital divided by risk weighted assets) required to be categorized as "well capitalized", in the regulatory framework for prompt corrective action.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<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;">us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalToRiskWeightedAssets">
<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>Total Capital divided by risk weighted assets as defined in the regulations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<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;">us-gaap_CapitalToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_TangibleCapital">
<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>Tangible capital as defined in the regulations (generally includes outstanding stock plus retained earnings) for banking institutions subject to Office of Thrift Supervision (OTS) capital requirements.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<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;">us-gaap_TangibleCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TangibleCapitalRequiredForCapitalAdequacy">
<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 minimum amount of tangible capital required under the regulatory framework for prompt corrective action.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<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;">us-gaap_TangibleCapitalRequiredForCapitalAdequacy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TangibleCapitalRequiredForCapitalAdequacyToTangibleAssets">
<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 minimum amount of Tangible Capital divided by tangible assets (Tangible Capital Ratio) as defined in the regulations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958570-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<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;">us-gaap_TangibleCapitalRequiredForCapitalAdequacyToTangibleAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TangibleCapitalToTangibleAssets">
<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>Tangible Capital divided by Tangible assets as defined in the regulations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<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;">us-gaap_TangibleCapitalToTangibleAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapital">
<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>Tier 1 Leverage Capital as defined in the regulations. Also called Core Capital.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<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;">us-gaap_TierOneLeverageCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy">
<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 minimum amount of Tier 1 Leverage Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<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;">us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets">
<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 minimum amount of Tier 1 Leverage Capital for capital adequacy purposes divided by average assets as defined in the regulations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958570-112826<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;">us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized">
<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 amount of Tier 1 Leverage Capital required to be categorized as well capitalized under the regulatory framework for prompt corrective action.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<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;">us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets">
<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 amount of Tier 1 Leverage Capital required to be categorized as well capitalized divided by average assets as defined in the regulatory framework for prompt corrective action.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<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;">us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalToAverageAssets">
<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>Tier 1 Leverage Capital divided by average assets as defined in the regulations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<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;">us-gaap_TierOneLeverageCapitalToAverageAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapital">
<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>Tier 1 Risk Based Capital as defined in the regulations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<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;">us-gaap_TierOneRiskBasedCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy">
<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 minimum amount of Tier 1 Risk Based Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<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;">us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets">
<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 minimum Tier One Capital Ratio (Tier one capital divided by risk-weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958570-112826<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<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;">us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized">
<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 amount of Tier 1 Risk Based Capital required to be categorized as well capitalized under the regulatory framework for prompt corrective action.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<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;">us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets">
<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 Tier 1 capital ratio (Tier 1 capital divided by risk weighted assets) required to be categorized as "well capitalized" under the regulatory framework for prompt corrective action.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<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;">us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets">
<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>Tier 1 capital divided by risk weighted assets as defined by regulations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1H<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<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;">us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LegalEntityAxis=us-gaap_ParentCompanyMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=us-gaap_ParentCompanyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementScenarioAxis=fisi_PhaseInScheduleMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementScenarioAxis=fisi_PhaseInScheduleMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementScenarioAxis=fisi_FullyPhasedInMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementScenarioAxis=fisi_FullyPhasedInMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LegalEntityAxis=fisi_BankMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=fisi_BankMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>98
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6827565168">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Shareholders' Equity (Narrative) (Details) - $ / shares<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</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_fisi_ShareholdersEquityLineItems', window );"><strong>Shareholders Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_CapitalSharesAuthorized', window );">Capital shares authorized</a></td>
<td class="nump">50,210,000<span></span>
</td>
<td class="text">&#160;<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_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized</a></td>
<td class="nump">50,000,000<span></span>
</td>
<td class="nump">50,000,000<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_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value</a></td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="nump">$ 0.01<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_us-gaap_PreferredStockSharesAuthorized', window );">Preferred stock, shares authorized</a></td>
<td class="nump">210,000<span></span>
</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_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par value</a></td>
<td class="nump">$ 100<span></span>
</td>
<td class="text">&#160;<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_us-gaap_PreferredStockSharesIssued', window );">Preferred stock, shares issued</a></td>
<td class="nump">173,398<span></span>
</td>
<td class="nump">173,398<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_us-gaap_PreferredStockSharesOutstanding', window );">Preferred stock, shares outstanding</a></td>
<td class="nump">173,398<span></span>
</td>
<td class="nump">173,398<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_PreferredClassAMember', window );">Preferred Class A [Member]</a></td>
<td class="text">&#160;<span></span>
</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_fisi_ShareholdersEquityLineItems', window );"><strong>Shareholders Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_PreferredStockSharesAuthorized', window );">Preferred stock, shares authorized</a></td>
<td class="nump">10,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=fisi_SeriesaThreePercentPreferredStockMember', window );">Series A 3% Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_fisi_ShareholdersEquityLineItems', window );"><strong>Shareholders Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_PreferredStockDividendRatePercentage', window );">Preferred stock, dividend percentage</a></td>
<td class="nump">3.00%<span></span>
</td>
<td class="nump">3.00%<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_us-gaap_PreferredStockSharesIssued', window );">Preferred stock, shares issued</a></td>
<td class="nump">1,492<span></span>
</td>
<td class="nump">1,492<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_us-gaap_PreferredStockDividendRatePerDollarAmount', window );">Preferred stock, dividend per share</a></td>
<td class="nump">$ 3.00<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_PreferredClassBMember', window );">Preferred Class B [Member]</a></td>
<td class="text">&#160;<span></span>
</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_fisi_ShareholdersEquityLineItems', window );"><strong>Shareholders Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_PreferredStockSharesAuthorized', window );">Preferred stock, shares authorized</a></td>
<td class="nump">200,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember', window );">Series B-1 8.48% Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_fisi_ShareholdersEquityLineItems', window );"><strong>Shareholders Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_PreferredStockSharesAuthorized', window );">Preferred stock, shares authorized</a></td>
<td class="nump">200,000<span></span>
</td>
<td class="nump">200,000<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_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par value</a></td>
<td class="nump">$ 100<span></span>
</td>
<td class="nump">$ 100<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_us-gaap_PreferredStockDividendRatePercentage', window );">Preferred stock, dividend percentage</a></td>
<td class="nump">8.48%<span></span>
</td>
<td class="nump">8.48%<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_us-gaap_PreferredStockSharesIssued', window );">Preferred stock, shares issued</a></td>
<td class="nump">171,906<span></span>
</td>
<td class="nump">171,906<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_us-gaap_PreferredStockDividendRatePerDollarAmount', window );">Preferred stock, dividend per share</a></td>
<td class="nump">$ 8.48<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_CapitalSharesAuthorized">
<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>Capital Shares Authorized</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;">fisi_CapitalSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_ShareholdersEquityLineItems">
<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>Shareholders Equity [Line Items]</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;">fisi_ShareholdersEquityLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</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_us-gaap_CommonStockParOrStatedValuePerShare">
<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>Face amount or stated value per share of common stock.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 30<br> -Article 5<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;">us-gaap_CommonStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesAuthorized">
<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 maximum number of common shares permitted to be issued by an entity's charter and bylaws.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 30<br> -Article 5<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;">us-gaap_CommonStockSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockDividendRatePerDollarAmount">
<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 amount per share used to calculated dividend payments on preferred stock.</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;">us-gaap_PreferredStockDividendRatePerDollarAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_PreferredStockDividendRatePercentage">
<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 percentage rate used to calculate dividend payments on preferred stock.</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;">us-gaap_PreferredStockDividendRatePercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_us-gaap_PreferredStockParOrStatedValuePerShare">
<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>Face amount or stated value per share of preferred stock nonredeemable or redeemable solely at the option of the issuer.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.28)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29<br> -Article 5<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;">us-gaap_PreferredStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesAuthorized">
<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 maximum number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) permitted to be issued by an entity's charter and bylaws.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.28)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29<br> -Article 5<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;">us-gaap_PreferredStockSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesIssued">
<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>Total number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased, and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.28)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29<br> -Article 5<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;">us-gaap_PreferredStockSharesIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesOutstanding">
<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>Aggregate share number for all nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by stockholders. Does not include preferred shares that have been repurchased.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.28)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29<br> -Article 5<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;">us-gaap_PreferredStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_PreferredClassAMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_PreferredClassAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td>na</td>
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<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=fisi_SeriesaThreePercentPreferredStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=fisi_SeriesaThreePercentPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_PreferredClassBMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_PreferredClassBMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
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<td></td>
</tr>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td>na</td>
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<tr>
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<td></td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6828716256">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Shareholders' Equity (Changes In Shares Of Common Stock) (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
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<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_fisi_ShareholdersEquityLineItems', window );"><strong>Shareholders Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockShares', window );">Treasury stock, beginning balance</a></td>
<td class="nump">279,461<span></span>
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<td class="text">&#160;<span></span>
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<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_us-gaap_CommonStockSharesIssued', window );">Shares issued, beginning balance</a></td>
<td class="nump">14,397,509<span></span>
</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_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Stock options exercised</a></td>
<td class="nump">18,922<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TreasuryStockShares', window );">Treasury stock, ending balance</a></td>
<td class="nump">207,317<span></span>
</td>
<td class="nump">279,461<span></span>
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<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_us-gaap_CommonStockSharesIssued', window );">Shares issued, ending balance</a></td>
<td class="nump">14,397,509<span></span>
</td>
<td class="nump">14,397,509<span></span>
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</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember', window );">Common Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</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_fisi_ShareholdersEquityLineItems', window );"><strong>Shareholders Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_CommonStockSharesOutstanding', window );">Shares outstanding, beginning balance</a></td>
<td class="nump">14,118,048<span></span>
</td>
<td class="nump">13,829,355<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_us-gaap_StockIssuedDuringPeriodSharesAcquisitions', window );">Shares issued for the SDN acquisition</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">235,912<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_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardGross', window );">Restricted stock awards issued</a></td>
<td class="nump">59,834<span></span>
</td>
<td class="nump">43,242<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_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardForfeited', window );">Restricted stock awards forfeited</a></td>
<td class="num">(3,490)<span></span>
</td>
<td class="num">(15,441)<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_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Stock options exercised</a></td>
<td class="nump">18,922<span></span>
</td>
<td class="nump">34,082<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_us-gaap_TreasuryStockSharesAcquired', window );">Treasury stock purchases</a></td>
<td class="num">(7,523)<span></span>
</td>
<td class="num">(9,102)<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_us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued', window );">Stock awards</a></td>
<td class="nump">$ 4,401<span></span>
</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_us-gaap_CommonStockSharesOutstanding', window );">Shares outstanding, ending balance</a></td>
<td class="nump">14,190,192<span></span>
</td>
<td class="nump">14,118,048<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_TreasuryStockMember', window );">Treasury Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</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_fisi_ShareholdersEquityLineItems', window );"><strong>Shareholders Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TreasuryStockShares', window );">Treasury stock, beginning balance</a></td>
<td class="nump">279,461<span></span>
</td>
<td class="nump">332,242<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_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardGross', window );">Restricted stock awards issued</a></td>
<td class="num">(59,834)<span></span>
</td>
<td class="num">(43,242)<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_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardForfeited', window );">Restricted stock awards forfeited</a></td>
<td class="nump">3,490<span></span>
</td>
<td class="nump">15,441<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_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Stock options exercised</a></td>
<td class="num">(18,922)<span></span>
</td>
<td class="num">(34,082)<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_us-gaap_TreasuryStockSharesAcquired', window );">Treasury stock purchases</a></td>
<td class="nump">7,523<span></span>
</td>
<td class="nump">9,102<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_us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued', window );">Stock awards</a></td>
<td class="num">$ (4,401)<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TreasuryStockShares', window );">Treasury stock, ending balance</a></td>
<td class="nump">207,317<span></span>
</td>
<td class="nump">279,461<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=fisi_CommonStockIssuedMember', window );">Common Stock Issued [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_fisi_ShareholdersEquityLineItems', window );"><strong>Shareholders Equity [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_CommonStockSharesIssued', window );">Shares issued, beginning balance</a></td>
<td class="nump">14,397,509<span></span>
</td>
<td class="nump">14,161,597<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_us-gaap_StockIssuedDuringPeriodSharesAcquisitions', window );">Shares issued for the SDN acquisition</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">235,912<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_us-gaap_CommonStockSharesIssued', window );">Shares issued, ending balance</a></td>
<td class="nump">14,397,509<span></span>
</td>
<td class="nump">14,397,509<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_ShareholdersEquityLineItems">
<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>Shareholders Equity [Line Items]</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;">fisi_ShareholdersEquityLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</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_us-gaap_CommonStockSharesIssued">
<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>Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 30<br> -Article 5<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;">us-gaap_CommonStockSharesIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesOutstanding">
<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>Number of shares of common stock outstanding. Common stock represent the ownership interest in a corporation.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 30<br> -Article 5<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Article 3<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;">us-gaap_CommonStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesAcquisitions">
<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>Number of shares of stock issued during the period pursuant to acquisitions.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.28,29)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Article 3<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29, 30<br> -Article 5<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;">us-gaap_StockIssuedDuringPeriodSharesAcquisitions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardForfeited">
<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>Number of shares related to Restricted Stock Award forfeited during the period.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29, 30<br> -Article 5<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;">us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardForfeited</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardGross">
<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>Total number of shares issued during the period, including shares forfeited, as a result of Restricted Stock Awards.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<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;">us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised">
<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>Number of share options (or share units) exercised during the current period.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.28,29)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29, 30<br> -Article 5<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Article 3<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;">us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued">
<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>Equity impact of the value of treasury stock (units) reissued during the period, excluding reissuance of shares (units) held in treasury used to satisfy equity-based compensation obligations exercised by the holders of such rights. Upon reissuance of shares (units) from treasury, either the common or preferred stock (unit) reissued is outstanding.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6405813&amp;loc=d3e23239-112655<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Article 3<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;">us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_TreasuryStockShares">
<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>Number of common and preferred shares that were previously issued and that were repurchased by the issuing entity and held in treasury on the financial statement date. This stock has no voting rights and receives no dividends.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.28,29)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29, 30<br> -Article 5<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;">us-gaap_TreasuryStockShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockSharesAcquired">
<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>Number of shares that have been repurchased during the period and are being held in treasury.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29, 30<br> -Article 5<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Article 3<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;">us-gaap_TreasuryStockSharesAcquired</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_TreasuryStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_TreasuryStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=fisi_CommonStockIssuedMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=fisi_CommonStockIssuedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6827086064">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Accumulated Other Comprehensive Income (Loss) (Components Of Other Comprehensive Income (Loss)) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract', window );"><strong>Accumulated Other Comprehensive Income (Loss) [Abstract]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax', window );">Change in unrealized gain/loss during the period, Pre-tax Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">$ (1,529)<span></span>
</td>
<td class="nump">$ 14,008<span></span>
</td>
<td class="num">$ (34,135)<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_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax', window );">Reclassification adjustment for net gains included in net income, Pre-tax Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(2,251)<span></span>
</td>
<td class="num">(2,478)<span></span>
</td>
<td class="num">(1,298)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax', window );">Total securities available for sale and transferred securities, Pre-tax Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(3,780)<span></span>
</td>
<td class="nump">11,530<span></span>
</td>
<td class="num">(35,433)<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_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax', window );">Net actuarial losses, Pre-tax Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(887)<span></span>
</td>
<td class="num">(9,709)<span></span>
</td>
<td class="nump">11,860<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_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax', window );">Amortization of net actuarial loss and prior service cost included in income, Pre-tax Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">895<span></span>
</td>
<td class="nump">128<span></span>
</td>
<td class="nump">1,316<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax', window );">Total pension and post-retirement obligations, Pre-tax Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">8<span></span>
</td>
<td class="num">(9,581)<span></span>
</td>
<td class="nump">13,176<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent', window );">Other comprehensive income (loss), Pre-tax Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(3,772)<span></span>
</td>
<td class="nump">1,949<span></span>
</td>
<td class="num">(22,257)<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_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax', window );">Change in unrealized gain/loss during the period, Tax Effect</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(591)<span></span>
</td>
<td class="nump">5,549<span></span>
</td>
<td class="num">(13,522)<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_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax', window );">Reclassification adjustment for net gains included in net income, Tax Effect</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(868)<span></span>
</td>
<td class="num">(981)<span></span>
</td>
<td class="num">(514)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax', window );">Total securities available for sale and transferred securities, Tax Effect</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,459)<span></span>
</td>
<td class="nump">4,568<span></span>
</td>
<td class="num">(14,036)<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_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax', window );">Net actuarial losses, Tax Effect</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(342)<span></span>
</td>
<td class="num">(3,846)<span></span>
</td>
<td class="nump">4,698<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_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax', window );">Amortization of net actuarial loss and prior service cost included in income, Tax Effect</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">345<span></span>
</td>
<td class="nump">51<span></span>
</td>
<td class="nump">521<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax', window );">Total pension and post-retirement obligations, Tax Effect</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3<span></span>
</td>
<td class="num">(3,795)<span></span>
</td>
<td class="nump">5,219<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1', window );">Other comprehensive income (loss), Tax Effect</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,456)<span></span>
</td>
<td class="nump">773<span></span>
</td>
<td class="num">(8,817)<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_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax', window );">Change in unrealized gain/loss during the period, Net-of-tax Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(938)<span></span>
</td>
<td class="nump">8,459<span></span>
</td>
<td class="num">(20,613)<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_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax', window );">Reclassification adjustment for net gains included in net income, Net-of-tax Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(1,383)<span></span>
</td>
<td class="num">(1,497)<span></span>
</td>
<td class="num">(784)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax', window );">Total securities available for sale and transferred securities, Net-of-tax Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,321)<span></span>
</td>
<td class="nump">6,962<span></span>
</td>
<td class="num">(21,397)<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_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax', window );">Net actuarial losses, Net-of-tax Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(545)<span></span>
</td>
<td class="num">(5,863)<span></span>
</td>
<td class="nump">7,162<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_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditNetOfTax', window );">Amortization of prior service credit, Net-of-tax Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">550<span></span>
</td>
<td class="nump">77<span></span>
</td>
<td class="nump">795<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax', window );">Total pension and post-retirement obligations, Net-of-tax Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5<span></span>
</td>
<td class="num">(5,786)<span></span>
</td>
<td class="nump">7,957<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive income (loss), Net-of-tax Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">$ (2,316)<span></span>
</td>
<td class="nump">$ 1,176<span></span>
</td>
<td class="num">$ (13,440)<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top">Includes amounts related to the amortization/accretion of unrealized net gains and losses related to the Company's reclassification of available for sale investment securities to the held to maturity category. The unrealized net gains/losses will be amortized/accreted over the remaining life of the investment securities as an adjustment of yield.</td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract">
<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 );">- References</a><div><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;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax">
<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>Amount before tax of reclassification adjustment from accumulated other comprehensive (income) loss for prior service cost (credit) related to pension and other postretirement benefit plans.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (j)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (j)<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<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;">us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditNetOfTax">
<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>Amount after tax of reclassification adjustment from accumulated other comprehensive (income) loss for prior service cost (credit) related to pension and other postretirement benefit plans.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (j)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (j)<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<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;">us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax">
<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>Amount before tax, after reclassification adjustments, of appreciation (loss) in value of unsold available-for-sale securities. Excludes amounts related to other than temporary impairment (OTTI) loss.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<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;">us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<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_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax">
<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>Amount after tax and reclassification adjustments, of appreciation (loss) in value of unsold available-for-sale securities. Excludes amounts related to other than temporary impairment (OTTI) loss.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<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;">us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax">
<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>Amount of tax expense (benefit), after reclassification adjustments, of appreciation (loss) in value of unsold available-for-sale securities. Excludes amounts related to other than temporary impairment (OTTI) loss.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e640-108580<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;">us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent">
<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>Amount before tax of other comprehensive income (loss) attributable to parent entity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (c)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 19<br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<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;">us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<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_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent">
<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>Amount after tax of other comprehensive income (loss) attributable to parent entity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (c)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 19<br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<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;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<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_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax">
<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>Amount before tax, after reclassification adjustments, of (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement defined benefit plans.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (i-k)<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<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;">us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<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>Amount after tax and reclassification adjustments, of (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement defined benefit plans.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (i-k)<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<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;">us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax">
<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>Amount of tax (expense) benefit, before reclassification adjustments, related to (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement benefit plans.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e640-108580<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;">us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax">
<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>Amount of tax (expense) benefit, after reclassification adjustments, of (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement defined benefit plans.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e640-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (i-k)<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<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;">us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax">
<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>Amount before tax of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e689-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<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;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<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_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax">
<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>Amount after tax of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e689-108580<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;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax">
<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>Amount of tax expense (benefit) of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e640-108580<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;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax">
<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>Amount before tax of reclassification adjustment from accumulated other comprehensive income (loss) for actuarial gain (loss) related to pension and other postretirement benefit plans.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e689-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (j)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
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<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>Amount after tax of reclassification adjustment from accumulated other comprehensive income (loss) for actuarial gain (loss) related to pension and other postretirement benefit plans.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (j)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e689-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax">
<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>Amount of tax expense (benefit) of reclassification adjustment from accumulated other comprehensive income (loss) for actuarial gain (loss) related to pension and other postretirement benefit plans.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e689-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e640-108580<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;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1">
<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>Amount of tax expense (benefit) allocated to other comprehensive income (loss) attributable to parent entity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (c)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 19<br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<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;">us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax">
<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>Amount before tax and reclassification adjustments of unrealized holding gain (loss) on available-for-sale securities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<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;">us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax">
<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>Amount after tax, before reclassification adjustments, of unrealized holding gain (loss) on available-for-sale securities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<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;">us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<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>Amount of tax expense (benefit) before reclassification adjustments of unrealized holding gain (loss) on available-for-sale securities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e640-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (e,f)<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<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;">us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6848181824">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Accumulated Other Comprehensive Income (Loss) (Components Of Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</div></th>
<th class="th"><div>Dec. 31, 2015</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_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems', window );"><strong>Accumulated Other Comprehensive Income (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Balance at beginning of year</a></td>
<td class="num">$ (9,011)<span></span>
</td>
<td class="num">$ (10,187)<span></span>
</td>
<td class="nump">$ 3,253<span></span>
</td>
<td class="text">&#160;<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_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax', window );">Other comprehensive income (loss) before reclassifications</a></td>
<td class="num">(1,483)<span></span>
</td>
<td class="nump">2,596<span></span>
</td>
<td class="num">(13,451)<span></span>
</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_us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax', window );">Amounts reclassified from accumulated other comprehensive loss</a></td>
<td class="num">(833)<span></span>
</td>
<td class="num">(1,420)<span></span>
</td>
<td class="nump">11<span></span>
</td>
<td class="text">&#160;<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_us-gaap_OtherComprehensiveIncomeLossNetOfTax', window );">Net current period other comprehensive income (loss)</a></td>
<td class="num">(2,316)<span></span>
</td>
<td class="nump">1,176<span></span>
</td>
<td class="num">(13,440)<span></span>
</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_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Balance at end of period</a></td>
<td class="num">(9,011)<span></span>
</td>
<td class="num">(10,187)<span></span>
</td>
<td class="nump">3,253<span></span>
</td>
<td class="num">$ (11,327)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember', window );">Securities Available For Sale and Transferred Securities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems', window );"><strong>Accumulated Other Comprehensive Income (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Balance at beginning of year</a></td>
<td class="nump">1,625<span></span>
</td>
<td class="num">(5,337)<span></span>
</td>
<td class="nump">16,060<span></span>
</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_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax', window );">Other comprehensive income (loss) before reclassifications</a></td>
<td class="num">(938)<span></span>
</td>
<td class="nump">8,459<span></span>
</td>
<td class="num">(20,613)<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax', window );">Amounts reclassified from accumulated other comprehensive loss</a></td>
<td class="num">(1,383)<span></span>
</td>
<td class="num">(1,497)<span></span>
</td>
<td class="num">(784)<span></span>
</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_us-gaap_OtherComprehensiveIncomeLossNetOfTax', window );">Net current period other comprehensive income (loss)</a></td>
<td class="num">(2,321)<span></span>
</td>
<td class="nump">6,962<span></span>
</td>
<td class="num">(21,397)<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Balance at end of period</a></td>
<td class="nump">1,625<span></span>
</td>
<td class="num">(5,337)<span></span>
</td>
<td class="nump">16,060<span></span>
</td>
<td class="num">(696)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember', window );">Pension And Post-Retirement Items [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems', window );"><strong>Accumulated Other Comprehensive Income (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Balance at beginning of year</a></td>
<td class="num">(10,636)<span></span>
</td>
<td class="num">(4,850)<span></span>
</td>
<td class="num">(12,807)<span></span>
</td>
<td class="text">&#160;<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_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax', window );">Other comprehensive income (loss) before reclassifications</a></td>
<td class="num">(545)<span></span>
</td>
<td class="num">(5,863)<span></span>
</td>
<td class="nump">7,162<span></span>
</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_us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax', window );">Amounts reclassified from accumulated other comprehensive loss</a></td>
<td class="nump">550<span></span>
</td>
<td class="nump">77<span></span>
</td>
<td class="nump">795<span></span>
</td>
<td class="text">&#160;<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_us-gaap_OtherComprehensiveIncomeLossNetOfTax', window );">Net current period other comprehensive income (loss)</a></td>
<td class="nump">5<span></span>
</td>
<td class="num">(5,786)<span></span>
</td>
<td class="nump">7,957<span></span>
</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_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Balance at end of period</a></td>
<td class="num">$ (10,636)<span></span>
</td>
<td class="num">$ (4,850)<span></span>
</td>
<td class="num">$ (12,807)<span></span>
</td>
<td class="num">$ (10,631)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax">
<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>Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e681-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14A<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669686-108580<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 31<br> -Article 5<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Article 3<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;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax">
<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>Amount after tax, before reclassification adjustments of other comprehensive income (loss).</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;">us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_OtherComprehensiveIncomeLossNetOfTax">
<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>Amount after tax and reclassification adjustments of other comprehensive income (loss).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669619-108580<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;">us-gaap_OtherComprehensiveIncomeLossNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax">
<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>Amount after tax of reclassification adjustments of other comprehensive income (loss).</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;">us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6826258928">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Accumulated Other Comprehensive Income (Loss) (Amounts Reclassified Out Of Each Component Of Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems', window );"><strong>Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_GainLossOnSaleOfSecuritiesNet', window );">Net gain on disposal of investment securities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 1,988<span></span>
</td>
<td class="nump">$ 2,041<span></span>
</td>
<td class="nump">$ 1,226<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_us-gaap_InterestIncomeExpenseNet', window );">Interest income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">95,313<span></span>
</td>
<td class="nump">93,774<span></span>
</td>
<td class="nump">91,594<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_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax', window );">Prior service credit</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">895<span></span>
</td>
<td class="nump">128<span></span>
</td>
<td class="nump">1,316<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_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax', window );">Net actuarial losses</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(887)<span></span>
</td>
<td class="num">(9,709)<span></span>
</td>
<td class="nump">11,860<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Income before income taxes</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">38,876<span></span>
</td>
<td class="nump">38,980<span></span>
</td>
<td class="nump">37,907<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_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax (expense) benefit</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(10,539)<span></span>
</td>
<td class="num">(9,625)<span></span>
</td>
<td class="num">(12,377)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">28,337<span></span>
</td>
<td class="nump">29,355<span></span>
</td>
<td class="nump">25,530<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_us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax', window );">Total reclassified for the period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">833<span></span>
</td>
<td class="nump">1,420<span></span>
</td>
<td class="num">(11)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember', window );">Securities Available For Sale and Transferred Securities [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems', window );"><strong>Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax', window );">Total reclassified for the period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,383<span></span>
</td>
<td class="nump">1,497<span></span>
</td>
<td class="nump">784<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember', window );">Pension And Post-Retirement Items [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems', window );"><strong>Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax', window );">Total reclassified for the period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(550)<span></span>
</td>
<td class="num">(77)<span></span>
</td>
<td class="num">$ (795)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis=us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember', window );">Reclassification out of Accumulated Other Comprehensive Income [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems', window );"><strong>Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax', window );">Total reclassified for the period</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">833<span></span>
</td>
<td class="nump">1,420<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis=us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember', window );">Reclassification out of Accumulated Other Comprehensive Income [Member] | Securities Available For Sale and Transferred Securities [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems', window );"><strong>Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_GainLossOnSaleOfSecuritiesNet', window );">Net gain on disposal of investment securities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,988<span></span>
</td>
<td class="nump">2,041<span></span>
</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_us-gaap_InterestIncomeExpenseNet', window );">Interest income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">263<span></span>
</td>
<td class="nump">437<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Income before income taxes</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,251)<span></span>
</td>
<td class="num">(2,478)<span></span>
</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_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax (expense) benefit</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(868)<span></span>
</td>
<td class="num">(981)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,383)<span></span>
</td>
<td class="num">(1,497)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis=us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember', window );">Reclassification out of Accumulated Other Comprehensive Income [Member] | Pension And Post-Retirement Items [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems', window );"><strong>Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax', window );">Prior service credit</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">48<span></span>
</td>
<td class="nump">48<span></span>
</td>
<td class="text">&#160;<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_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax', window );">Net actuarial losses</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(943)<span></span>
</td>
<td class="num">(176)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Income before income taxes</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">895<span></span>
</td>
<td class="nump">128<span></span>
</td>
<td class="text">&#160;<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_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax (expense) benefit</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">345<span></span>
</td>
<td class="nump">51<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 550<span></span>
</td>
<td class="nump">$ 77<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top">These items are included in the computation of net periodic pension expense. See Note 17 - Employee Benefit Plans for additional information.</td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfSecuritiesNet">
<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 net gain (loss) realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 13<br> -Subparagraph h<br> -Article 9<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 3<br> -Article 7<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;">us-gaap_GainLossOnSaleOfSecuritiesNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest">
<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>This element represents the income or loss from continuing operations attributable to the economic entity which may also be defined as revenue less expenses from ongoing operations, after income or loss from equity method investments, but before income taxes, extraordinary items, and noncontrolling interest.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 940<br> -SubTopic 20<br> -Section 25<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=35710027&amp;loc=d3e41242-110953<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 10<br> -Article 5<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;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_IncomeTaxExpenseBenefit">
<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>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a),(b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Income Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 08<br> -Paragraph h<br> -Article 4<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;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_InterestIncomeExpenseNet">
<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 net amount of operating interest income (expense).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.10)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 10<br> -Article 9<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;">us-gaap_InterestIncomeExpenseNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_NetIncomeLoss">
<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 portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Net Income<br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.19)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.18)<br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.22)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Other Comprehensive Income<br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 19<br> -Article 5<br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 20<br> -Article 9<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;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax">
<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>Amount before tax of reclassification adjustment from accumulated other comprehensive (income) loss for prior service cost (credit) related to pension and other postretirement benefit plans.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (j)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (j)<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<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;">us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax">
<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>Amount before tax of reclassification adjustment from accumulated other comprehensive income (loss) for actuarial gain (loss) related to pension and other postretirement benefit plans.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e689-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (j)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems</td>
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<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>Amount after tax of reclassification adjustments of other comprehensive income (loss).</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;">us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:monetaryItemType</td>
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<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember</td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember</td>
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<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis=us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember</td>
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<head>
<title></title>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6846407024">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Share-Based Compensation (Narrative) (Details)<br> $ / shares in Units, $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2015 </div>
<div>USD ($) </div>
<div>item </div>
<div>$ / shares </div>
<div>shares</div>
</th>
<th class="th">
<div>Dec. 31, 2014 </div>
<div>USD ($) </div>
<div>shares</div>
</th>
<th class="th">
<div>Dec. 31, 2013 </div>
<div>USD ($) </div>
<div>shares</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross', window );">Stock options awarded</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationPeriod', window );">Expiration period</a></td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized', window );">Unrecognized compensation expense | $</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue', window );">Aggregate intrinsic value | $</a></td>
<td class="nump">106<span></span>
</td>
<td class="nump">$ 161<span></span>
</td>
<td class="nump">$ 106<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_us-gaap_EmployeeServiceShareBasedCompensationCashReceivedFromExerciseOfStockOptions', window );">Total cash received as a result of option exercises | $</a></td>
<td class="nump">$ 359<span></span>
</td>
<td class="nump">$ 667<span></span>
</td>
<td class="nump">$ 448<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TitleOfIndividualAxis=us-gaap_DirectorMember', window );">Director [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue', window );">Grant date fair value | $ / shares</a></td>
<td class="nump">$ 24.96<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_StockIssuedDuringPeriodSharesIssuedForServices', window );">Shares issued in lieu of cash</a></td>
<td class="nump">4,401<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_NumberOfNonEmployeeDirectors', window );">Number of non-employee directors | item</a></td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementScenarioAxis=fisi_EarningsPerSharePerformanceRequirementMember', window );">EPS Performance Requirement [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageCurrentFiscalYearEnd', window );">EPS percentage of award, one year performance period</a></td>
<td class="nump">30.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementScenarioAxis=fisi_RelativeTotalShareholderReturnPerformanceRequirementMember', window );">TSR Performance Requirement [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageThreeYearPerformancePeriod', window );">TSR percentage of award, three year performance period</a></td>
<td class="nump">70.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1', window );">Expected term</a></td>
<td class="text">2 years 10 months 6 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate', window );">Risk free interest rate</a></td>
<td class="nump">0.92%<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate', window );">Expected dividend yield</a></td>
<td class="nump">3.53%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate', window );">Expected stock price volatility</a></td>
<td class="nump">26.80%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember', window );">Restricted Stock Awards [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Restricted shares of common stock awarded</a></td>
<td class="nump">59,834<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue', window );">Grant date fair value | $ / shares</a></td>
<td class="nump">$ 17.66<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageDateOfGrant', window );">Vesting percentage, date of grant</a></td>
<td class="nump">50.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageOneYearFromDateOfGrant', window );">Vesting percentage, one year from date of grant</a></td>
<td class="nump">50.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized', window );">Unrecognized compensation expense | $</a></td>
<td class="nump">$ 737<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1', window );">Expected recognition expense period, weighted average period in years</a></td>
<td class="text">1 year 9 months 18 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember', window );">Restricted Stock Awards [Member] | TSR Performance Requirement [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Award vesting period</a></td>
<td class="text">3 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=fisi_ManagementStockIncentivePlanMember', window );">Management Stock Incentive Plan [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Restricted shares of common stock awarded</a></td>
<td class="nump">36,384<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=fisi_ManagementStockIncentivePlanMember', window );">Management Stock Incentive Plan [Member] | Restricted Stock Awards [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Restricted shares of common stock awarded</a></td>
<td class="nump">12,700<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue', window );">Grant date fair value | $ / shares</a></td>
<td class="nump">$ 22.79<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Award vesting period</a></td>
<td class="text">3 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=fisi_DirectorStockIncentivePlanMember', window );">Director Stock Incentive Plan [Member] | Restricted Stock Awards [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Restricted shares of common stock awarded</a></td>
<td class="nump">10,750<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue', window );">Grant date fair value | $ / shares</a></td>
<td class="nump">$ 23.25<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1', window );">Required service period</a></td>
<td class="text">1 year<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=fisi_DirectorStockIncentivePlanMember', window );">Director Stock Incentive Plan [Member] | Restricted Stock Awards [Member] | Vested Immediately [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Restricted shares of common stock awarded</a></td>
<td class="nump">5,380<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=fisi_DirectorStockIncentivePlanMember', window );">Director Stock Incentive Plan [Member] | Restricted Stock Awards [Member] | Vested After Completion of One-Year Service Requirement [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Restricted shares of common stock awarded</a></td>
<td class="nump">5,370<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=fisi_LongTermIncentivePlan2015Member', window );">2015 Long-Term Incentive Plan [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant', window );">Shares available for grant</a></td>
<td class="nump">424,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MinimumMember', window );">Minimum [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Award vesting period</a></td>
<td class="text">3 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MinimumMember', window );">Minimum [Member] | Restricted Stock Awards [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Award vesting period</a></td>
<td class="text">2 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MaximumMember', window );">Maximum [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Award vesting period</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MaximumMember', window );">Maximum [Member] | Restricted Stock Awards [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Award vesting period</a></td>
<td class="text">3 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MaximumMember', window );">Maximum [Member] | 2015 Long-Term Incentive Plan [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized', window );">Maximum number of grants authorized</a></td>
<td class="nump">438,076<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_NumberOfNonEmployeeDirectors">
<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>Number of Non-Employee Directors</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;">fisi_NumberOfNonEmployeeDirectors</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</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_fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageCurrentFiscalYearEnd">
<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>Share based compensation arrangement by share based payment award, award vesting percentage, current fiscal year end</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;">fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageCurrentFiscalYearEnd</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageDateOfGrant">
<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>Share based compensation arrangement by share based payment award, award vesting percentage, date of grant.</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;">fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageDateOfGrant</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageOneYearFromDateOfGrant">
<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>Share based compensation arrangement by share based payment award, award vesting percentage, one year from date of grant.</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;">fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageOneYearFromDateOfGrant</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageThreeYearPerformancePeriod">
<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>Share Based Compensation Arrangement By Share Based Payment Award, Award Vesting Percentage, Three Year Performance Period</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;">fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageThreeYearPerformancePeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationPeriod">
<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>Share-Based Compensation Arrangement By Share-Based Payment Award, Expiration Period</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;">fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_us-gaap_EmployeeServiceShareBasedCompensationCashReceivedFromExerciseOfStockOptions">
<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>Aggregate proceeds received by the entity during the annual period from exercises of stock or unit options and conversion of similar instruments granted under equity-based payment arrangements.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (j)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_EmployeeServiceShareBasedCompensationCashReceivedFromExerciseOfStockOptions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized">
<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>Unrecognized cost of unvested share-based compensation awards.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1">
<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>Weighted average period over which unrecognized compensation is expected to be recognized for equity-based compensation plans, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1">
<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>Estimated period over which an employee is required to provide service in exchange for the equity-based payment award, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1">
<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>Period which an employee's right to exercise an award is no longer contingent on satisfaction of either a service condition, market condition or a performance condition, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod">
<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 number of grants made during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue">
<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 weighted average fair value at grant date for nonvested equity-based awards issued during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate">
<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 estimated dividend rate (a percentage of the share price) to be paid (expected dividends) to holders of the underlying shares over the option's term.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(iii)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate">
<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 estimated measure of the percentage by which a share price is expected to fluctuate during a period. Volatility also may be defined as a probability-weighted measure of the dispersion of returns about the mean. The volatility of a share price is the standard deviation of the continuously compounded rates of return on the share over a specified period. That is the same as the standard deviation of the differences in the natural logarithms of the stock prices plus dividends, if any, over the period.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate">
<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 risk-free interest rate assumption that is used in valuing an option on its own shares.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(iv)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized">
<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 maximum number of shares (or other type of equity) originally approved (usually by shareholders and board of directors), net of any subsequent amendments and adjustments, for awards under the equity-based compensation plan. As stock or unit options and equity instruments other than options are awarded to participants, the shares or units remain authorized and become reserved for issuance under outstanding awards (not necessarily vested).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant">
<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 difference between the maximum number of shares (or other type of equity) authorized for issuance under the plan (including the effects of amendments and adjustments), and the sum of: 1) the number of shares (or other type of equity) already issued upon exercise of options or other equity-based awards under the plan; and 2) shares (or other type of equity) reserved for issuance on granting of outstanding awards, net of cancellations and forfeitures, if applicable.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue">
<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>Amount of accumulated difference between fair value of underlying shares on dates of exercise and exercise price on options exercised (or share units converted) into shares.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross">
<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>Gross number of share options (or share units) granted during the period.</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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1">
<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>Expected term of share-based compensation awards, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 14.D.2)<br> -URI http://asc.fasb.org/extlink&amp;oid=27013229&amp;loc=d3e301413-122809<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(i)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Staff Accounting Bulletin (SAB)<br> -Number Topic 14<br> -Section D<br> -Subsection 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;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_us-gaap_StockIssuedDuringPeriodSharesIssuedForServices">
<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>Number of shares issued in lieu of cash for services contributed to the entity. Number of shares includes, but is not limited to, shares issued for services contributed by vendors and founders.</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;">us-gaap_StockIssuedDuringPeriodSharesIssuedForServices</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_TitleOfIndividualAxis=us-gaap_DirectorMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TitleOfIndividualAxis=us-gaap_DirectorMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementScenarioAxis=fisi_EarningsPerSharePerformanceRequirementMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementScenarioAxis=fisi_EarningsPerSharePerformanceRequirementMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementScenarioAxis=fisi_RelativeTotalShareholderReturnPerformanceRequirementMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementScenarioAxis=fisi_RelativeTotalShareholderReturnPerformanceRequirementMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PlanNameAxis=fisi_ManagementStockIncentivePlanMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PlanNameAxis=fisi_ManagementStockIncentivePlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PlanNameAxis=fisi_DirectorStockIncentivePlanMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PlanNameAxis=fisi_DirectorStockIncentivePlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementScenarioAxis=fisi_VestedImmediatelyMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementScenarioAxis=fisi_VestedImmediatelyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementScenarioAxis=fisi_VestedAfterCompletionOfOneYearServiceRequirementMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementScenarioAxis=fisi_VestedAfterCompletionOfOneYearServiceRequirementMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PlanNameAxis=fisi_LongTermIncentivePlan2015Member</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MinimumMember</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MaximumMember</td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>104
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825788336">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Share-Based Compensation (Summary Of Stock Option Activity) (Details) - USD ($)<br> $ / shares in Units, $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_ShareBasedCompensationAbstract', window );"><strong>Share-Based Compensation [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Outstanding at beginning of year, Number of Options</a></td>
<td class="nump">135,416<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross', window );">Granted, Number of Options</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<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_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Exercised, Number of Options</a></td>
<td class="num">(18,922)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod', window );">Forfeited, Number of Options</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod', window );">Expired, Number of Options</a></td>
<td class="num">(14,245)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber', window );">Outstanding and exercisable at end of period, Number of Options</a></td>
<td class="nump">102,249<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice', window );">Outstanding at beginning of year, Weighted Average Exercise Price</a></td>
<td class="nump">$ 19.25<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice', window );">Granted, Weighted Average Exercise Price</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice', window );">Exercised, Weighted Average Exercise Price</a></td>
<td class="nump">$ 18.99<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice', window );">Forfeited, Weighted Average Exercise Price</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice', window );">Expired, Weighted Average Exercise Price</a></td>
<td class="nump">$ 19.87<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice', window );">Outstanding and exercisable at end of period, Weighted Average Exercise Price</a></td>
<td class="nump">$ 19.21<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1', window );">Outstanding and exercisable at end of period, Weighted Average Remaining Contractual Term</a></td>
<td class="text">1 year 3 months 18 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1', window );">Outstanding and exercisable at end of period, Aggregate Intrinsic Value</a></td>
<td class="nump">$ 899<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationAbstract">
<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 );">- References</a><div><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;">us-gaap_ShareBasedCompensationAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber">
<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 number of shares into which fully or partially vested stock options outstanding as of the balance sheet date can be currently converted under the option plan.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iii)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice">
<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 weighted-average price as of the balance sheet date at which grantees can acquire the shares reserved for issuance on vested portions of options outstanding and currently exercisable under the stock option plan.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iii)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod">
<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>Number of options or other stock instruments for which the right to exercise has lapsed under the terms of the plan agreements.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod">
<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 number of shares under options that were cancelled during the reporting period as a result of occurrence of a terminating event specified in contractual agreements pertaining to the stock option plan.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross">
<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>Gross number of share options (or share units) granted during the period.</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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber">
<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>Number of options outstanding, including both vested and non-vested options.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(i)-(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice">
<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>Weighted average price at which grantees can acquire the shares reserved for issuance under the stock option plan.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(i)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice">
<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>Weighted average price at which option holders acquired shares when converting their stock options into shares.</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;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice">
<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>Weighted average price at which grantees could have acquired the underlying shares with respect to stock options of the plan that expired.</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;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice">
<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>Weighted average price at which grantees could have acquired the underlying shares with respect to stock options that were terminated.</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;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice">
<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>Weighted average per share amount at which grantees can acquire shares of common stock by exercise of options.</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;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1">
<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>Amount of difference between fair value of the underlying shares reserved for issuance and exercise price of vested portions of options outstanding and currently exercisable.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1">
<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>Weighted average remaining contractual term for vested portions of options outstanding and currently exercisable or convertible, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised">
<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>Number of share options (or share units) exercised during the current period.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.28,29)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29, 30<br> -Article 5<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Article 3<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;">us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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>
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<title></title>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6828592640">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Share-Based Compensation (Summary Of Restricted Stock Award Activity) (Details) - Restricted Stock Awards [Member]<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2015 </div>
<div>$ / shares </div>
<div>shares</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber', window );">Outstanding at beginning of year, Number of Shares | shares</a></td>
<td class="nump">59,113<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Granted, Number of Shares | shares</a></td>
<td class="nump">59,834<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod', window );">Vested, Number of Shares | shares</a></td>
<td class="num">(32,549)<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod', window );">Forfeited, number of shares | shares</a></td>
<td class="num">(3,490)<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber', window );">Outstanding at end of period, Number of Shares | shares</a></td>
<td class="nump">82,908<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue', window );">Outstanding at beginning of year, Weighted Average Market Price at Grant Date | $ / shares</a></td>
<td class="nump">$ 17.24<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue', window );">Granted, Weighted Average Market Price at Grant Date | $ / shares</a></td>
<td class="nump">17.66<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue', window );">Vested, Weighted Average Market Price at Grant Date | $ / shares</a></td>
<td class="nump">17.80<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue', window );">Forfeited, Weighted Average Market Price at Grant Date | $ / shares</a></td>
<td class="nump">19.32<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue', window );">Outstanding at end of period, Weighted Average Market Price at Grant Date | $ / shares</a></td>
<td class="nump">$ 17.23<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod">
<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 number of equity-based payment instruments, excluding stock (or unit) options, that were forfeited during the reporting period.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue">
<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>Weighted average fair value as of the grant date of equity-based award plans other than stock (unit) option plans that were not exercised or put into effect as a result of the occurrence of a terminating event.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod">
<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 number of grants made during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue">
<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 weighted average fair value at grant date for nonvested equity-based awards issued during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber">
<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 number of non-vested equity-based payment instruments, excluding stock (or unit) options, that validly exist and are outstanding as of the balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(i)-(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue">
<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 weighted average fair value of nonvested awards on equity-based plans excluding option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, revenue or profit achievement stock award plan) for which the employer is contingently obligated to issue equity instruments or transfer assets to an employee who has not yet satisfied service or performance criteria necessary to gain title to proceeds from the sale of the award or underlying shares or units.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(i)-(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod">
<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 number of equity-based payment instruments, excluding stock (or unit) options, that vested during the reporting period.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue">
<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 weighted average fair value as of grant date pertaining to an equity-based award plan other than a stock (or unit) option plan for which the grantee gained the right during the reporting period, by satisfying service and performance requirements, to receive or retain shares or units, other instruments, or cash in accordance with the terms of the arrangement.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825171728">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Share-Based Compensation (Share-Based Compensation Expense Included In Consolidated Statements Of Income) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</div></th>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Total share-based compensation expense</a></td>
<td class="nump">$ 674<span></span>
</td>
<td class="nump">$ 471<span></span>
</td>
<td class="nump">$ 407<span></span>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeStatementLocationAxis=fisi_SalariesAndEmployeeBenefitsMember', window );">Salaries and Employee Benefits [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Total share-based compensation expense</a></td>
<td class="nump">431<span></span>
</td>
<td class="nump">270<span></span>
</td>
<td class="nump">236<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeStatementLocationAxis=fisi_OtherNoninterestExpensesMember', window );">Other Noninterest Expense [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_ShareBasedCompensation', window );">Total share-based compensation expense</a></td>
<td class="nump">$ 243<span></span>
</td>
<td class="nump">$ 201<span></span>
</td>
<td class="nump">$ 171<span></span>
</td>
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<div style="display: none;">
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<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 aggregate amount of noncash, equity-based employee remuneration. This may include the value of stock or unit options, amortization of restricted stock or units, and adjustment for officers' compensation. As noncash, this element is an add back when calculating net cash generated by operating activities using the indirect method.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<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;">us-gaap_ShareBasedCompensation</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
</table>
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<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems</td>
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<tr>
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<tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeStatementLocationAxis=fisi_SalariesAndEmployeeBenefitsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeStatementLocationAxis=fisi_SalariesAndEmployeeBenefitsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeStatementLocationAxis=fisi_OtherNoninterestExpensesMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeStatementLocationAxis=fisi_OtherNoninterestExpensesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6827012944">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes (Narrative) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="4">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2016</div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_IncomeTaxContingencyLineItems', window );"><strong>Income Tax Contingency [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DeferredTaxAssetsValuationAllowance', window );">Deferred Tax Assets, Valuation Allowance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<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_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes', window );">State income tax rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.70%<span></span>
</td>
<td class="num">(0.80%)<span></span>
</td>
<td class="nump">3.80%<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_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued', window );">Amount accrued for interest or penalties</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxAuthorityAxis=us-gaap_DomesticCountryMember', window );">Domestic Country [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_IncomeTaxContingencyLineItems', window );"><strong>Income Tax Contingency [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_OperatingLossCarryforwards', window );">Operating Loss Carryforwards</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxAuthorityAxis=us-gaap_StateAndLocalJurisdictionMember', window );">State And Local Jurisdiction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_IncomeTaxContingencyLineItems', window );"><strong>Income Tax Contingency [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_OperatingLossCarryforwards', window );">Operating Loss Carryforwards</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TaxCreditCarryforwardAmount', window );">Tax Credit Carryforward, Amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 800<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxAuthorityAxis=stpr_NY', window );">New York [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_IncomeTaxContingencyLineItems', window );"><strong>Income Tax Contingency [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes', window );">State income tax rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7.10%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxAuthorityAxis=stpr_NY', window );">New York [Member] | Scenario, Forecast [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_IncomeTaxContingencyLineItems', window );"><strong>Income Tax Contingency [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes', window );">State income tax rate</a></td>
<td class="nump">6.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MinimumMember', window );">Minimum [Member] | Domestic Country [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_IncomeTaxContingencyLineItems', window );"><strong>Income Tax Contingency [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_OpenTaxYear', window );">Federal income tax years currently open for audtis</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">2013<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MinimumMember', window );">Minimum [Member] | State And Local Jurisdiction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_IncomeTaxContingencyLineItems', window );"><strong>Income Tax Contingency [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_OpenTaxYear', window );">Federal income tax years currently open for audtis</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">2012<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MaximumMember', window );">Maximum [Member] | Domestic Country [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_IncomeTaxContingencyLineItems', window );"><strong>Income Tax Contingency [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_OpenTaxYear', window );">Federal income tax years currently open for audtis</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">2015<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MaximumMember', window );">Maximum [Member] | State And Local Jurisdiction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_IncomeTaxContingencyLineItems', window );"><strong>Income Tax Contingency [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_OpenTaxYear', window );">Federal income tax years currently open for audtis</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">2015<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsValuationAllowance">
<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>Amount of deferred tax assets for which it is more likely than not that a tax benefit will not be realized.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<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;">us-gaap_DeferredTaxAssetsValuationAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes">
<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>Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations applicable to state and local income tax expense (benefit), net of federal tax expense (benefit).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I)<br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<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;">us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_us-gaap_IncomeTaxContingencyLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_IncomeTaxContingencyLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_OpenTaxYear">
<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>Tax year that remains open to examination under enacted tax laws, in CCYY format.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32718-109319<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;">us-gaap_OpenTaxYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gYearItemType</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_us-gaap_OperatingLossCarryforwards">
<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>Amount of operating loss carryforward, before tax effects, available to reduce future taxable income under enacted tax laws.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32559-109319<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;">us-gaap_OperatingLossCarryforwards</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TaxCreditCarryforwardAmount">
<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 amount of the tax credit carryforward, before tax effects, available to reduce future taxable income under enacted tax laws.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32559-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Carryforwards<br> -URI http://asc.fasb.org/extlink&amp;oid=6506874<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;">us-gaap_TaxCreditCarryforwardAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued">
<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>Amount accrued for interest on an underpayment of income taxes and penalties related to a tax position claimed or expected to be claimed in the tax return.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32718-109319<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;">us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxAuthorityAxis=us-gaap_DomesticCountryMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxAuthorityAxis=us-gaap_DomesticCountryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxAuthorityAxis=us-gaap_StateAndLocalJurisdictionMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxAuthorityAxis=us-gaap_StateAndLocalJurisdictionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxAuthorityAxis=stpr_NY">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxAuthorityAxis=stpr_NY</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementScenarioAxis=us-gaap_ScenarioForecastMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementScenarioAxis=us-gaap_ScenarioForecastMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RangeAxis=us-gaap_MinimumMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RangeAxis=us-gaap_MaximumMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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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">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825712464">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes (Income Tax Expense) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Taxes [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_CurrentFederalTaxExpenseBenefit', window );">Federal</a></td>
<td class="nump">$ 8,720<span></span>
</td>
<td class="nump">$ 7,546<span></span>
</td>
<td class="nump">$ 8,917<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_us-gaap_CurrentStateAndLocalTaxExpenseBenefit', window );">State</a></td>
<td class="nump">21<span></span>
</td>
<td class="num">(75)<span></span>
</td>
<td class="nump">1,913<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CurrentIncomeTaxExpenseBenefit', window );">Total current tax expense</a></td>
<td class="nump">8,741<span></span>
</td>
<td class="nump">7,471<span></span>
</td>
<td class="nump">10,830<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_us-gaap_DeferredFederalIncomeTaxExpenseBenefit', window );">Federal</a></td>
<td class="nump">1,440<span></span>
</td>
<td class="nump">2,538<span></span>
</td>
<td class="nump">1,251<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_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit', window );">State</a></td>
<td class="nump">358<span></span>
</td>
<td class="num">(384)<span></span>
</td>
<td class="nump">296<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxExpenseBenefit', window );">Total deferred tax expense</a></td>
<td class="nump">1,798<span></span>
</td>
<td class="nump">2,154<span></span>
</td>
<td class="nump">1,547<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Total income tax expense</a></td>
<td class="nump">$ 10,539<span></span>
</td>
<td class="nump">$ 9,625<span></span>
</td>
<td class="nump">$ 12,377<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CurrentFederalTaxExpenseBenefit">
<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>Amount of current federal tax expense (benefit) pertaining to income (loss) from continuing operations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Current Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=6509736<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Staff Accounting Bulletin (SAB)<br> -Number Topic 6<br> -Section I<br> -Paragraph Question 1-7<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 08<br> -Paragraph h<br> -Article 4<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) pertaining to taxable income (loss) from continuing operations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Current Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=6509736<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 08<br> -Paragraph h<br> -Article 4<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Staff Accounting Bulletin (SAB)<br> -Number Topic 6<br> -Section I<br> -Subsection 7<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current state and local tax expense (benefit) pertaining to income (loss) from continuing operations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Current Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=6509736<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 08<br> -Paragraph h<br> -Article 4<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Staff Accounting Bulletin (SAB)<br> -Number Topic 6<br> -Section I<br> -Subsection 7<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred federal income tax expense (benefit) pertaining to income (loss) from continuing operations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Deferred Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=6510177<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 08<br> -Paragraph h<br> -Article 4<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Staff Accounting Bulletin (SAB)<br> -Number Topic 6<br> -Section I<br> -Subsection 7<br></p></div>
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<td><strong> Name:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Deferred Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=6510177<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 08<br> -Paragraph h<br> -Article 4<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Staff Accounting Bulletin (SAB)<br> -Number Topic 6<br> -Section I<br> -Subsection 7<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">
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred state and local tax expense (benefit) pertaining to income (loss) from continuing operations.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Deferred Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=6510177<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Staff Accounting Bulletin (SAB)<br> -Number Topic 6<br> -Section I<br> -Subsection 7<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 08<br> -Paragraph h<br> -Article 4<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">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><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">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a),(b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Income Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 08<br> -Paragraph h<br> -Article 4<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">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6824996768">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes (Income Tax Expense Differed From Statutory Federal Income Tax Rate) (Details)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Taxes [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate', window );">Statutory federal tax rate</a></td>
<td class="nump">35.00%<span></span>
</td>
<td class="nump">35.00%<span></span>
</td>
<td class="nump">35.00%<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_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome', window );">Tax exempt interest income</a></td>
<td class="num">(6.10%)<span></span>
</td>
<td class="num">(5.10%)<span></span>
</td>
<td class="num">(4.80%)<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_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCreditsOther', window );">Tax credits and adjustments</a></td>
<td class="num">(0.70%)<span></span>
</td>
<td class="num">(3.50%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_EffectiveIncomeTaxRateReconciliationNonTaxableEarningsOnCompanyOwnedLifeInsurance', window );">Non-taxable earnings on company owned life insurance</a></td>
<td class="num">(1.80%)<span></span>
</td>
<td class="num">(1.60%)<span></span>
</td>
<td class="num">(1.60%)<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_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes', window );">State taxes, net of federal tax benefit</a></td>
<td class="nump">0.70%<span></span>
</td>
<td class="num">(0.80%)<span></span>
</td>
<td class="nump">3.80%<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_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpense', window );">Nondeductible expenses</a></td>
<td class="nump">0.30%<span></span>
</td>
<td class="nump">0.50%<span></span>
</td>
<td class="nump">0.20%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_EffectiveIncomeTaxRateReconciliationGoodwillAndContingentConsiderationAdjustmentsPercent', window );">Goodwill and contingent consideration adjustments</a></td>
<td class="num">(0.30%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments', window );">Other, net</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.20%<span></span>
</td>
<td class="nump">0.10%<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateContinuingOperations', window );">Effective tax rate</a></td>
<td class="nump">27.10%<span></span>
</td>
<td class="nump">24.70%<span></span>
</td>
<td class="nump">32.70%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_EffectiveIncomeTaxRateReconciliationGoodwillAndContingentConsiderationAdjustmentsPercent">
<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>Effective Income Tax Rate Reconciliation, Goodwill and Contingent Consideration Adjustments, Percent</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;">fisi_EffectiveIncomeTaxRateReconciliationGoodwillAndContingentConsiderationAdjustmentsPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_EffectiveIncomeTaxRateReconciliationNonTaxableEarningsOnCompanyOwnedLifeInsurance">
<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>Effective Income Tax Rate Reconciliation Non Taxable Earnings On Company Owned Life Insurance</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;">fisi_EffectiveIncomeTaxRateReconciliationNonTaxableEarningsOnCompanyOwnedLifeInsurance</td>
</tr>
<tr>
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<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateContinuingOperations">
<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>Percentage of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(h)(2))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 08<br> -Paragraph h<br> -Subparagraph 2<br> -Article 4<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;">us-gaap_EffectiveIncomeTaxRateContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate">
<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>Percentage of domestic federal statutory tax rate applicable to pretax income (loss).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I)<br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<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;">us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpense">
<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>Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to nondeductible expenses.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I)<br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<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;">us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpense</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments">
<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>Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to other adjustments.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I)<br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<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;">us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes">
<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>Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations applicable to state and local income tax expense (benefit), net of federal tax expense (benefit).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I)<br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<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;">us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCreditsOther">
<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>Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to other tax credits.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I)<br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<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;">us-gaap_EffectiveIncomeTaxRateReconciliationTaxCreditsOther</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome">
<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>Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to income (loss) exempt from income taxes.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I)<br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<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;">us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxDisclosureAbstract">
<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 );">- References</a><div><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;">us-gaap_IncomeTaxDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<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">
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<body>
<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825201296">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes (Income Tax Expense Allocation) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Taxes [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
<td class="nump">$ 10,539<span></span>
</td>
<td class="nump">$ 9,625<span></span>
</td>
<td class="nump">$ 12,377<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_us-gaap_IncomeTaxEffectsAllocatedDirectlyToEquity', window );">Shareholder's equity</a></td>
<td class="num">$ (1,456)<span></span>
</td>
<td class="nump">$ 925<span></span>
</td>
<td class="num">$ (8,817)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxDisclosureAbstract">
<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 );">- References</a><div><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;">us-gaap_IncomeTaxDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxEffectsAllocatedDirectlyToEquity">
<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 sum of the tax effects of all items occurring during the period that have been charged or credited directly to other comprehensive income or to related components of shareholders' equity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 20<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=18498875&amp;loc=d3e39076-109324<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32672-109319<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (d),(e)<br> -URI http://asc.fasb.org/extlink&amp;oid=18498875&amp;loc=d3e38679-109324<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;">us-gaap_IncomeTaxEffectsAllocatedDirectlyToEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_IncomeTaxExpenseBenefit">
<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>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a),(b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Income Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 08<br> -Paragraph h<br> -Article 4<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;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>111
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825929920">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Income Taxes (Net Deferred Tax Assets) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</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_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Taxes [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAllowanceForDoubtfulAccounts', window );">Allowance for loan losses</a></td>
<td class="nump">$ 10,452<span></span>
</td>
<td class="nump">$ 10,666<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_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeCompensation', window );">Deferred compensation</a></td>
<td class="nump">972<span></span>
</td>
<td class="nump">938<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_us-gaap_DeferredTaxAssetsEquityMethodInvestments', window );">Investment in limited partnerships</a></td>
<td class="nump">954<span></span>
</td>
<td class="nump">953<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_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeBenefits', window );">SERP agreements</a></td>
<td class="nump">767<span></span>
</td>
<td class="nump">704<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_DeferredTaxAssetsInterestOnNonaccrualLoans', window );">Interest on nonaccrual loans</a></td>
<td class="nump">615<span></span>
</td>
<td class="nump">664<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_us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsGeneralBusiness', window );">Benefit of tax credit carryforwards</a></td>
<td class="nump">502<span></span>
</td>
<td class="nump">569<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_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost', window );">Share-based compensation</a></td>
<td class="nump">538<span></span>
</td>
<td class="nump">565<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_DeferredTaxAsetsNetUnrealizedLossOnSecuritiesAvailableForSale', window );">Net unrealized loss on securities available for sale</a></td>
<td class="nump">420<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_DeferredTaxAssetsOtherThanTemporaryImpairmentOfInvestmentSecurities', window );">Other than temporary impairment of investment securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,917<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_us-gaap_DeferredTaxAssetsOther', window );">Other</a></td>
<td class="nump">328<span></span>
</td>
<td class="nump">520<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsGross', window );">Gross deferred tax assets</a></td>
<td class="nump">15,548<span></span>
</td>
<td class="nump">17,496<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_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses', window );">Prepaid pension costs</a></td>
<td class="nump">5,065<span></span>
</td>
<td class="nump">5,346<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_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets', window );">Intangible assets</a></td>
<td class="nump">2,667<span></span>
</td>
<td class="nump">2,662<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_DeferredTaxLiabilitiesDepreciationAndAmortization', window );">Depreciation and amortization</a></td>
<td class="nump">1,004<span></span>
</td>
<td class="nump">1,249<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_DeferredTaxLiabilitiesNetUnrealizedGainsOnSecuritiesAvailableForSale', window );">Net unrealized gain on securities available for sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,039<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_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights', window );">Loan servicing assets</a></td>
<td class="nump">479<span></span>
</td>
<td class="nump">525<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxLiabilities', window );">Gross deferred tax liabilities</a></td>
<td class="nump">9,215<span></span>
</td>
<td class="nump">10,821<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsLiabilitiesNet', window );">Net deferred tax asset</a></td>
<td class="nump">$ 6,333<span></span>
</td>
<td class="nump">$ 6,675<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_DeferredTaxAsetsNetUnrealizedLossOnSecuritiesAvailableForSale">
<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>Deferred tax asets, net unrealized loss on securities available for sale.</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;">fisi_DeferredTaxAsetsNetUnrealizedLossOnSecuritiesAvailableForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_DeferredTaxAssetsInterestOnNonaccrualLoans">
<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>Deferred Tax Assets, Interest On Nonaccrual Loans</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;">fisi_DeferredTaxAssetsInterestOnNonaccrualLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_DeferredTaxAssetsOtherThanTemporaryImpairmentOfInvestmentSecurities">
<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>Deferred Tax Assets, Other Than Temporary Impairment Of Investment Securities</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;">fisi_DeferredTaxAssetsOtherThanTemporaryImpairmentOfInvestmentSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_DeferredTaxLiabilitiesDepreciationAndAmortization">
<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>Deferred Tax Liabilities, Depreciation And Amortization</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;">fisi_DeferredTaxLiabilitiesDepreciationAndAmortization</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_DeferredTaxLiabilitiesNetUnrealizedGainsOnSecuritiesAvailableForSale">
<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>Deferred Tax Liabilities, Net Unrealized Gains On Securities Available For Sale</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;">fisi_DeferredTaxLiabilitiesNetUnrealizedGainsOnSecuritiesAvailableForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxLiabilities">
<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>Amount of deferred tax liability attributable to taxable temporary differences.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Deferred Tax Liability<br> -URI http://asc.fasb.org/extlink&amp;oid=6510232<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 15<br> -Subparagraph b(2)<br> -Article 7<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;">us-gaap_DeferredIncomeTaxLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsEquityMethodInvestments">
<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>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from equity method investments.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 25<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=29652012&amp;loc=d3e28680-109314<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<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;">us-gaap_DeferredTaxAssetsEquityMethodInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsGross">
<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>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Deferred Tax Asset<br> -URI http://asc.fasb.org/extlink&amp;oid=6510090<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;">us-gaap_DeferredTaxAssetsGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsLiabilitiesNet">
<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>Amount after allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards, net of deferred tax liability attributable to taxable temporary differences.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<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;">us-gaap_DeferredTaxAssetsLiabilitiesNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsOther">
<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>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences not separately disclosed.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 25<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=29652012&amp;loc=d3e28680-109314<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;">us-gaap_DeferredTaxAssetsOther</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsGeneralBusiness">
<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>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible general business tax credit carryforwards.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32559-109319<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;">us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsGeneralBusiness</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeBenefits">
<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 effect as of the balance sheet date of the amount of the estimated future tax deductions arising from employee benefit costs not otherwise specified in the taxonomy, which can only be deducted for tax purposes when actual costs are incurred, and which can only be realized if sufficient tax-basis income is generated in future periods to enable the deduction to be taken.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 25<br> -Paragraph 20<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=29652012&amp;loc=d3e28680-109314<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<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;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeCompensation">
<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>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from employee compensation.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 25<br> -Paragraph 20<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=29652012&amp;loc=d3e28680-109314<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;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeCompensation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost">
<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>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from share-based compensation.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 25<br> -Paragraph 20<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=29652012&amp;loc=d3e28680-109314<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<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;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAllowanceForDoubtfulAccounts">
<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>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from the allowance for doubtful accounts.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 25<br> -Paragraph 20<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=29652012&amp;loc=d3e28680-109314<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<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;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAllowanceForDoubtfulAccounts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets">
<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>Amount of deferred tax liability attributable to taxable temporary differences from intangible assets other than goodwill.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 25<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=29652012&amp;loc=d3e28680-109314<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<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;">us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights">
<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>Amount of deferred tax liability attributable to taxable temporary differences from mortgage servicing rights.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 25<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=29652012&amp;loc=d3e28680-109314<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<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;">us-gaap_DeferredTaxLiabilitiesMortgageServicingRights</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses">
<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>Amount of deferred tax consequences attributable to taxable temporary differences derived from prepaid expenses.</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;">us-gaap_DeferredTaxLiabilitiesPrepaidExpenses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxDisclosureAbstract">
<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 );">- References</a><div><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;">us-gaap_IncomeTaxDisclosureAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:stringItemType</td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6824934656">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Earnings Per Common Share (Reconciliation Of Earnings And Shares Used In Calculating Basic And Diluted EPS) (Details) - USD ($)<br> $ / shares in Units, shares in Thousands, $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings Per Common Share [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">Net income available to common shareholders for EPS</a></td>
<td class="nump">$ 26,875<span></span>
</td>
<td class="nump">$ 27,893<span></span>
</td>
<td class="nump">$ 24,064<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_us-gaap_WeightedAverageNumberOfSharesIssuedBasic', window );">Total shares issued</a></td>
<td class="nump">14,398<span></span>
</td>
<td class="nump">14,261<span></span>
</td>
<td class="nump">14,162<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_us-gaap_WeightedAverageNumberOfSharesRestrictedStock', window );">Unvested restricted stock awards</a></td>
<td class="num">(93)<span></span>
</td>
<td class="num">(64)<span></span>
</td>
<td class="num">(69)<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_us-gaap_WeightedAverageNumberOfSharesTreasuryStock', window );">Treasury shares</a></td>
<td class="num">(224)<span></span>
</td>
<td class="num">(304)<span></span>
</td>
<td class="num">(354)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Total basic weighted average common shares outstanding</a></td>
<td class="nump">14,081<span></span>
</td>
<td class="nump">13,893<span></span>
</td>
<td class="nump">13,739<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_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements', window );">Exercise of stock options</a></td>
<td class="nump">24<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="nump">13<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_IncrementalCommonSharesAttributableToVestingOfRestrictedStockAwards', window );">Vesting of restricted stock awards</a></td>
<td class="nump">30<span></span>
</td>
<td class="nump">27<span></span>
</td>
<td class="nump">32<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Total diluted weighted average common shares outstanding</a></td>
<td class="nump">14,135<span></span>
</td>
<td class="nump">13,946<span></span>
</td>
<td class="nump">13,784<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_us-gaap_EarningsPerShareBasic', window );">Basic earnings per common share</a></td>
<td class="nump">$ 1.91<span></span>
</td>
<td class="nump">$ 2.01<span></span>
</td>
<td class="nump">$ 1.75<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_us-gaap_EarningsPerShareDiluted', window );">Diluted earnings per common share</a></td>
<td class="nump">$ 1.90<span></span>
</td>
<td class="nump">$ 2.00<span></span>
</td>
<td class="nump">$ 1.75<span></span>
</td>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_IncrementalCommonSharesAttributableToVestingOfRestrictedStockAwards">
<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>Incremental common shares attributable to vesting of restricted stock awards.</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;">fisi_IncrementalCommonSharesAttributableToVestingOfRestrictedStockAwards</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><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;">us-gaap_EarningsPerShareAbstract</td>
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<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 amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.21)<br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 55<br> -Paragraph 52<br> -URI http://asc.fasb.org/extlink&amp;oid=32703322&amp;loc=d3e4984-109258<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.19)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.23)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 18<br> -Article 7<br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 20<br> -Article 5<br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 21<br> -Article 9<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;">us-gaap_EarningsPerShareBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_EarningsPerShareDiluted">
<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 amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.21)<br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 18<br> -Article 7<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 20<br> -Article 5<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 21<br> -Article 9<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;">us-gaap_EarningsPerShareDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</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_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements">
<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>Additional shares included in the calculation of diluted EPS as a result of the potentially dilutive effect of share based payment arrangements using the treasury stock method.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28A<br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1500-109256<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;">us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic">
<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>Net income after adjustments for dividends on preferred stock (declared in the period) and/or cumulative preferred stock (accumulated for the period).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1377-109256<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;">us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding">
<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 average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 16<br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1505-109256<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<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;">us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_WeightedAverageNumberOfSharesIssuedBasic">
<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>This element represents the weighted average total number of shares issued throughout the period including the first (beginning balance outstanding) and last (ending balance outstanding) day of the period before considering any reductions (for instance, shares held in treasury) to arrive at the weighted average number of shares outstanding. Weighted average relates to the portion of time within a reporting period that common shares have been issued and outstanding to the total time in that period. Such concept is used in determining the weighted average number of shares outstanding for purposes of calculating earnings per share (basic).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1448-109256<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e2646-109256<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;">us-gaap_WeightedAverageNumberOfSharesIssuedBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic">
<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>Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1448-109256<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Weighted-Average Number of Common Shares Outstanding<br> -URI http://asc.fasb.org/extlink&amp;oid=6528421<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;">us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_WeightedAverageNumberOfSharesRestrictedStock">
<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>Number of shares of restricted stock determined by relating the portion of time within a reporting period that restricted shares have been outstanding to the total time in that period. Restricted shares are subject to sales, contractual, regulatory or other restrictions that prevent or inhibit the holder from freely disposing of them before the restriction ends.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e2646-109256<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;">us-gaap_WeightedAverageNumberOfSharesRestrictedStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</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_us-gaap_WeightedAverageNumberOfSharesTreasuryStock">
<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>Number of shares of treasury stock determined by relating the portion of time within a reporting period that treasury shares have been outstanding to the total time in that period. Treasury stock is stock that the Entity has issued but subsequently reacquired.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1448-109256<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;">us-gaap_WeightedAverageNumberOfSharesTreasuryStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6828197664">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Earnings Per Common Share (Shares Excluded from Computation of Diluted EPS) (Details) - shares<br> shares in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
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<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</div></th>
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<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_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems', window );"><strong>Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount', window );">Antidilutive shares excluded from computation of diluted EPS</a></td>
<td class="nump">1<span></span>
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<td class="nump">4<span></span>
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<td class="nump">124<span></span>
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</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis=us-gaap_EmployeeStockOptionMember', window );">Stock Options [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems', window );"><strong>Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount', window );">Antidilutive shares excluded from computation of diluted EPS</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="nump">122<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis=us-gaap_RestrictedStockMember', window );">Restricted Stock Awards [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems', window );"><strong>Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount', window );">Antidilutive shares excluded from computation of diluted EPS</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount">
<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>Securities (including those issuable pursuant to contingent stock agreements) that could potentially dilute basic earnings per share (EPS) or earnings per unit (EPU) in the future that were not included in the computation of diluted EPS or EPU because to do so would increase EPS or EPU amounts or decrease loss per share or unit amounts for the period presented.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Antidilution<br> -URI http://asc.fasb.org/extlink&amp;oid=6505113<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Diluted Earnings Per Share<br> -URI http://asc.fasb.org/extlink&amp;oid=6510752<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Contingent Stock Agreement<br> -URI http://asc.fasb.org/extlink&amp;oid=6508534<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<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;">us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:stringItemType</td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis=us-gaap_EmployeeStockOptionMember</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis=us-gaap_RestrictedStockMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<head>
<title></title>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6827116656">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefit Plans (Narrative) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation', window );">Accumulated benefit obligation</a></td>
<td class="nump">$ 53,500<span></span>
</td>
<td class="nump">$ 54,900<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanContributionsByEmployer', window );">Defined Benefit Plan, Contributions by Employer</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_NumberOfYearsUsedForCompensationCalculation', window );">Number of consecutive years used for compensation calculation</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_InvestmentStrategyPercentageInLongTermGrowth', window );">Investment strategy, percentage in long-term growth</a></td>
<td class="nump">97.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_InvestmentStrategyPercentageInNearTermBenefitPayments', window );">Investment strategy, percentage in near-term benefit payments</a></td>
<td class="nump">3.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_MaximumPercentageOfSecuritiesPurchasingAllowedOfPortfolioAtAnyTime', window );">Maximum percentage of securities purchasing allowed of the portfolio at any time</a></td>
<td class="nump">5.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_MaximumMarketValuePurchasePercentageAllowedOfAnyOneIssuer', window );">Maximum market value purchase percentage allowed of any one issuer</a></td>
<td class="nump">8.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedContributionPlanCostRecognized', window );">Expense included in salaries and employee benefits</a></td>
<td class="nump">$ 1,300<span></span>
</td>
<td class="nump">1,100<span></span>
</td>
<td class="nump">$ 1,100<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_us-gaap_PensionAndOtherPostretirementAndPostemploymentBenefitPlansLiabilitiesCurrentAndNoncurrent', window );">Postretirement Benefit Plan, Accrued liabilities</a></td>
<td class="nump">107<span></span>
</td>
<td class="nump">$ 124<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss', window );">Estimated future net loss for the plan that will be amortized from accumulated other comprehensive income</a></td>
<td class="nump">955<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit', window );">Estimated future prior service credit for the plan that will be amortized from accumulated other comprehensive income</a></td>
<td class="nump">$ 47<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent', window );">Maximum percent of participant's contribution match</a></td>
<td class="nump">4.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementScenarioAxis=fisi_EffectiveFebruaryTwoThousandTwelveMember', window );">Effective February Two Thousand Twelve [Member] | Securities Less Than Aquality [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_MaximumPercentageOfSecuritiesPurchasingAllowedOfPortfolioAtAnyTime', window );">Maximum percentage of securities purchasing allowed of the portfolio at any time</a></td>
<td class="nump">13.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementScenarioAxis=fisi_EffectiveFebruaryTwoThousandTwelveMember', window );">Effective February Two Thousand Twelve [Member] | Commercial Mortgage Back Securities And Assets Backed Securities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_MaximumPercentageOfSecuritiesPurchasingAllowedOfPortfolioAtAnyTime', window );">Maximum percentage of securities purchasing allowed of the portfolio at any time</a></td>
<td class="nump">10.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fisi_PortfolioConcentrationCommingledTrustFund1Member', window );">Portfolio Concentration Commingled Trust Fund1 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Percentage of Plan Assets</a></td>
<td class="nump">11.00%<span></span>
</td>
<td class="nump">13.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fisi_PortfolioConcentrationCommingledTrustFund2Member', window );">Portfolio Concentration Commingled Trust Fund2 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Percentage of Plan Assets</a></td>
<td class="nump">7.00%<span></span>
</td>
<td class="nump">9.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fisi_PortfolioConcentrationExchangeTradedFundMember', window );">Portfolio Concentration Exchange Traded Fund [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Percentage of Plan Assets</a></td>
<td class="nump">7.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fisi_PortfolioConcentrationShortTermInvestmentFundMember', window );">Portfolio Concentration Short Term Investment Fund [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Percentage of Plan Assets</a></td>
<td class="nump">5.00%<span></span>
</td>
<td class="nump">8.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=fisi_InvestmentFirmOneMember', window );">Investment Firm One [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_PortfolioManagementControlledPercentage', window );">Portfolio management, controlled percentage</a></td>
<td class="nump">58.00%<span></span>
</td>
<td class="nump">57.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=fisi_InvestmentFirmTwoMember', window );">Investment Firm Two [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_PortfolioManagementControlledPercentage', window );">Portfolio management, controlled percentage</a></td>
<td class="nump">38.00%<span></span>
</td>
<td class="nump">39.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Defined Benefit Plan [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_PortfolioManagementControlledPercentage', window );">Portfolio management, controlled percentage</a></td>
<td class="nump">4.00%<span></span>
</td>
<td class="nump">4.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=fisi_FirstThreePercentOfParticipantSContributionMember', window );">First 3% Of Participant's Contribution [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch', window );">Percentage employer matches of the employee's percentage contribution matched</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent', window );">Percentage for which the employer contributes a matching contribution</a></td>
<td class="nump">3.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=fisi_NextThreePercentOfParticipantSContributionMember', window );">Next 3% Of Participant's Contribution [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch', window );">Percentage employer matches of the employee's percentage contribution matched</a></td>
<td class="nump">50.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent', window );">Percentage for which the employer contributes a matching contribution</a></td>
<td class="nump">3.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_SupplementalEmployeeRetirementPlanDefinedBenefitMember', window );">SERP [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities', window );">Unfunded pension liability</a></td>
<td class="nump">$ 2,300<span></span>
</td>
<td class="nump">$ 2,200<span></span>
</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_us-gaap_PensionExpense', window );">Pension expense</a></td>
<td class="nump">$ 408<span></span>
</td>
<td class="nump">$ 295<span></span>
</td>
<td class="nump">$ 95<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_InvestmentStrategyPercentageInLongTermGrowth">
<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>Investment Strategy, Percentage In Long Term Growth</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;">fisi_InvestmentStrategyPercentageInLongTermGrowth</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_fisi_InvestmentStrategyPercentageInNearTermBenefitPayments">
<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>Investment Strategy, Percentage In Near Term Benefit Payments</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;">fisi_InvestmentStrategyPercentageInNearTermBenefitPayments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_fisi_MaximumMarketValuePurchasePercentageAllowedOfAnyOneIssuer">
<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>Maximum Market Value Purchase Percentage Allowed Of Any One Issuer</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;">fisi_MaximumMarketValuePurchasePercentageAllowedOfAnyOneIssuer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_fisi_MaximumPercentageOfSecuritiesPurchasingAllowedOfPortfolioAtAnyTime">
<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>Maximum Percentage Of Securities Purchasing Allowed Of The Portfolio At Any Time</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;">fisi_MaximumPercentageOfSecuritiesPurchasingAllowedOfPortfolioAtAnyTime</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_fisi_NumberOfYearsUsedForCompensationCalculation">
<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>Number of Years Used for Compensation Calculation</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;">fisi_NumberOfYearsUsedForCompensationCalculation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</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_fisi_PortfolioManagementControlledPercentage">
<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>Portfolio Management, Controlled Percentage</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;">fisi_PortfolioManagementControlledPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_us-gaap_DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities">
<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>This represents the entire liability recognized in the balance sheet that is associated with the defined benefit pension plans.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.15)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=21915240&amp;loc=d3e1703-114919<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e2410-114920<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.15)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e2417-114920<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;">us-gaap_DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation">
<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>For defined benefit pension plans, the actuarial present value of benefits (whether vested or nonvested) attributed by the pension benefit formula to employee service rendered before a specified date and based on employee service and compensation (if applicable) before that date. The accumulated benefit obligation differs from the projected benefit obligation in that it includes no assumption about future compensation levels. For plans with flat-benefit or nonpay-related pension benefit formulas, the accumulated benefit obligation and the projected benefit obligation are the same.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Accumulated Benefit Obligation<br> -URI http://asc.fasb.org/extlink&amp;oid=6503844<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanContributionsByEmployer">
<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 increase in the fair value of plan assets from contributions made by the employer.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanContributionsByEmployer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_DefinedBenefitPlanDisclosureLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_DefinedBenefitPlanDisclosureLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss">
<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>Amount included in accumulated other comprehensive income (AOCI) related to gain (loss) expected to be recognized as components of net periodic benefit cost for the fiscal year that follows the most recent annual statement of financial position.</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;">us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit">
<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>Amount included in accumulated other comprehensive income (AOCI) related to prior service cost (credit) expected to be recognized as components of net periodic benefit cost for the fiscal year that follows the most recent annual statement of financial position.</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;">us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations">
<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>Percentage of fair value of investments (categorized by debt securities, equity securities, real estate and other plan assets) to the fair value of plan assets held.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e2446-114920<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedContributionPlanCostRecognized">
<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 amount of the cost recognized during the period for defined contribution plans.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 70<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6414718&amp;loc=d3e28014-114942<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;">us-gaap_DefinedContributionPlanCostRecognized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent">
<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>Percentage of employees' gross pay for which the employer contributes a matching contribution to a defined contribution plan.</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;">us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch">
<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>Percentage employer matches of the employee's percentage contribution matched.</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;">us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent">
<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>Maximum percentage of employee gross pay the employee may contribute to a defined contribution plan.</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;">us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_us-gaap_PensionAndOtherPostretirementAndPostemploymentBenefitPlansLiabilitiesCurrentAndNoncurrent">
<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>This represents the entire liability recognized in the balance sheet that is associated with the defined benefit pension plans and other postretirement and postemployment benefit plans.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=21915240&amp;loc=d3e1703-114919<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e2410-114920<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.15)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e2417-114920<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.15)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<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;">us-gaap_PensionAndOtherPostretirementAndPostemploymentBenefitPlansLiabilitiesCurrentAndNoncurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PensionExpense">
<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 amount of pension benefit costs recognized during the period for (1) defined benefit plans and (2) defined contribution plans. For defined benefit plans, pension expense includes the following components: service cost, interest cost, expected return on plan assets, gain (loss) on plan assets, prior service cost or credit, transition asset or obligation, and gain (loss) due to settlements or curtailments. For defined contribution plans, the pension expense generally equals the firm's contribution to employees' accounts (if the firm contributes) during the period.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 70<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6414718&amp;loc=d3e28014-114942<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_PensionExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_StatementScenarioAxis=fisi_EffectiveFebruaryTwoThousandTwelveMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementScenarioAxis=fisi_EffectiveFebruaryTwoThousandTwelveMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=fisi_SecuritiesLessThanAqualityMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=fisi_SecuritiesLessThanAqualityMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</table></div>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fisi_CommercialMortgageBackSecuritiesAndAssetsBackedSecuritiesMember</td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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</table></div>
</div></td></tr>
</table>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fisi_PortfolioConcentrationCommingledTrustFund1Member</td>
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<tr>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fisi_PortfolioConcentrationCommingledTrustFund2Member</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fisi_PortfolioConcentrationExchangeTradedFundMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fisi_PortfolioConcentrationShortTermInvestmentFundMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=fisi_InvestmentFirmOneMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=fisi_InvestmentFirmOneMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=fisi_InvestmentFirmTwoMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=fisi_InvestmentFirmTwoMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=fisi_FirstThreePercentOfParticipantSContributionMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=fisi_FirstThreePercentOfParticipantSContributionMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=fisi_NextThreePercentOfParticipantSContributionMember</td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_SupplementalEmployeeRetirementPlanDefinedBenefitMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<SEQUENCE>115
<FILENAME>R102.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825006672">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefit Plans (Reconciliation Of The Plan's Benefit Obligations, Fair Value Of Assets And The Funded Status) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_DefinedBenefitPensionPlansAndDefinedBenefitPostretirementPlansDisclosureAbstract', window );"><strong>Employee Benefit Plans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanBenefitObligation', window );">Projected benefit obligation at beginning of period</a></td>
<td class="nump">$ 61,732<span></span>
</td>
<td class="nump">$ 48,991<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanServiceCost', window );">Service cost</a></td>
<td class="nump">2,324<span></span>
</td>
<td class="nump">1,918<span></span>
</td>
<td class="nump">$ 2,063<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_us-gaap_DefinedBenefitPlanInterestCost', window );">Interest cost</a></td>
<td class="nump">2,328<span></span>
</td>
<td class="nump">2,291<span></span>
</td>
<td class="nump">2,017<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_us-gaap_DefinedBenefitPlanActuarialGainLoss', window );">Actuarial (gain) loss</a></td>
<td class="num">(4,406)<span></span>
</td>
<td class="nump">10,938<span></span>
</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_us-gaap_DefinedBenefitPlanBenefitsPaid', window );">Benefits paid and plan expenses</a></td>
<td class="num">(2,746)<span></span>
</td>
<td class="num">(2,406)<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanBenefitObligation', window );">Projected benefit obligation at end of period</a></td>
<td class="nump">59,232<span></span>
</td>
<td class="nump">61,732<span></span>
</td>
<td class="nump">48,991<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_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets at beginning of period</a></td>
<td class="nump">75,584<span></span>
</td>
<td class="nump">64,603<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets', window );">Actual return on plan assets</a></td>
<td class="num">(480)<span></span>
</td>
<td class="nump">5,387<span></span>
</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_us-gaap_DefinedBenefitPlanContributionsByEmployer', window );">Employer contributions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8,000<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets at end of period</a></td>
<td class="nump">72,358<span></span>
</td>
<td class="nump">75,584<span></span>
</td>
<td class="nump">$ 64,603<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFundedStatusOfPlan', window );">Funded status at end of period</a></td>
<td class="nump">$ 13,126<span></span>
</td>
<td class="nump">$ 13,852<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPensionPlansAndDefinedBenefitPostretirementPlansDisclosureAbstract">
<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 );">- References</a><div><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;">us-gaap_DefinedBenefitPensionPlansAndDefinedBenefitPostretirementPlansDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets">
<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 difference between fair value of plan assets at the end of the period and the fair value at the beginning of the period, adjusted for contributions and payments of benefits during the period, and after adjusting for taxes and other expenses, as applicable.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Actual Return on Plan Assets (Component of Net Periodic Postretirement Benefit Cost)<br> -URI http://asc.fasb.org/extlink&amp;oid=6504192<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Actual Return on Plan Assets (Component of Net Periodic Pension Cost)<br> -URI http://asc.fasb.org/extlink&amp;oid=6504226<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;">us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_DefinedBenefitPlanActuarialGainLoss">
<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>Amount of gain (loss) related to change in benefit obligation resulting from changes in actuarial assumptions, for example, but not limited to, interest, mortality, employee turnover, salary, and temporary deviation from the substantive plan.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 30<br> -Glossary Gain or Loss<br> -URI http://asc.fasb.org/extlink&amp;oid=6514294<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 60<br> -Glossary Gain or Loss<br> -URI http://asc.fasb.org/extlink&amp;oid=6749293<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;">us-gaap_DefinedBenefitPlanActuarialGainLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_DefinedBenefitPlanBenefitObligation">
<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>1) For defined benefit pension plans, the benefit obligation is the projected benefit obligation, which is the actuarial present value as of a date of all benefits attributed by the pension benefit formula to employee service rendered prior to that date.  2) For other postretirement defined benefit plans, the benefit obligation is the accumulated postretirement benefit obligation, which is the actuarial present value of benefits attributed to employee service rendered to a particular date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Projected Benefit Obligation<br> -URI http://asc.fasb.org/extlink&amp;oid=6522206<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Accumulated Postretirement Benefit Obligation<br> -URI http://asc.fasb.org/extlink&amp;oid=6503904<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;">us-gaap_DefinedBenefitPlanBenefitObligation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanBenefitsPaid">
<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 amount of payments made for which participants are entitled under a pension plan, including pension benefits, death benefits, and benefits due on termination of employment. Also includes payments made under a postretirement benefit plan, including prescription drug benefits, health care benefits, life insurance benefits, and legal, educational and advisory services. This item represents a periodic decrease to the plan obligations and a decrease to plan assets.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 60<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=6414203&amp;loc=d3e39716-114964<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 30<br> -Glossary Benefits<br> -URI http://asc.fasb.org/extlink&amp;oid=6506267<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 60<br> -Glossary Benefits<br> -URI http://asc.fasb.org/extlink&amp;oid=6506309<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(6)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Postretirement Benefits<br> -URI http://asc.fasb.org/extlink&amp;oid=6521376<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(5)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanBenefitsPaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_DefinedBenefitPlanContributionsByEmployer">
<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 increase in the fair value of plan assets from contributions made by the employer.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanContributionsByEmployer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets">
<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>Assets, usually stocks, bonds, and other investments, that have been segregated and restricted (usually in a trust) to provide benefits, at their fair value as of the measurement date. Plan assets include amounts contributed by the employer (and by employees for a contributory plan) and amounts earned from investing the contributions, less benefits paid. If a plan has liabilities other than for benefits, those non-benefit obligations may be considered as reductions of plan assets.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 30<br> -Section 35<br> -Paragraph 50<br> -URI http://asc.fasb.org/extlink&amp;oid=29635418&amp;loc=d3e12355-114930<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanFundedStatusOfPlan">
<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 funded status is measured as the difference between the fair value of plan assets and the benefit obligation. Will normally be the same as the net Defined Benefit Plan, Amounts Recognized in Balance Sheet, Total.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=21915240&amp;loc=d3e1703-114919<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;">us-gaap_DefinedBenefitPlanFundedStatusOfPlan</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanInterestCost">
<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 increase in a defined benefit pension plan's projected benefit obligation or a defined benefit postretirement plan's accumulated postretirement benefit obligation due to the passage of time.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanInterestCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_DefinedBenefitPlanServiceCost">
<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 actuarial present value of benefits attributed by the pension benefit formula to services rendered by employees during the period. The portion of the expected postretirement benefit obligation attributed to employee service during the period. The service cost component is a portion of the benefit obligation and is unaffected by the funded status of the plan.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Service Cost (Component of Net Periodic Pension Cost)<br> -URI http://asc.fasb.org/extlink&amp;oid=6525008<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanServiceCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>116
<FILENAME>R103.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825035152">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Employee Benefit Plans (Estimated Benefit Payments Under The Pension Plan) (Details)<br> $ in Thousands</strong></div></th>
<th class="th">
<div>Dec. 31, 2015 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPensionPlansAndDefinedBenefitPostretirementPlansDisclosureAbstract', window );"><strong>Employee Benefit Plans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths', window );">2016</a></td>
<td class="nump">$ 2,127<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_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo', window );">2017</a></td>
<td class="nump">2,288<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_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree', window );">2018</a></td>
<td class="nump">2,346<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_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour', window );">2019</a></td>
<td class="nump">2,472<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_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive', window );">2020</a></td>
<td class="nump">2,666<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_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter', window );">2021-2025</a></td>
<td class="nump">$ 15,627<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPensionPlansAndDefinedBenefitPostretirementPlansDisclosureAbstract">
<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 );">- References</a><div><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;">us-gaap_DefinedBenefitPensionPlansAndDefinedBenefitPostretirementPlansDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter">
<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>Amount of benefits from a defined benefit plan expected to be paid in the five fiscal years after the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths">
<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>Amount of benefits from a defined benefit plan expected to be paid in the next fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive">
<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>Amount of benefits from a defined benefit plan expected to be paid in the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour">
<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>Amount of benefits from a defined benefit plan expected to be paid in the fourth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree">
<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>Amount of benefits from a defined benefit plan expected to be paid in the third fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo">
<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>Amount of benefits from a defined benefit plan expected to be paid in the second fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>117
<FILENAME>R104.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825091216">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefit Plans (Components Of Net Periodic Benefit Expense) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_DefinedBenefitPensionPlansAndDefinedBenefitPostretirementPlansDisclosureAbstract', window );"><strong>Employee Benefit Plans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanServiceCost', window );">Service cost</a></td>
<td class="nump">$ 2,324<span></span>
</td>
<td class="nump">$ 1,918<span></span>
</td>
<td class="nump">$ 2,063<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_us-gaap_DefinedBenefitPlanInterestCost', window );">Interest cost on projected benefit obligation</a></td>
<td class="nump">2,328<span></span>
</td>
<td class="nump">2,291<span></span>
</td>
<td class="nump">2,017<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_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets', window );">Expected return on plan assets</a></td>
<td class="num">(4,820)<span></span>
</td>
<td class="num">(4,117)<span></span>
</td>
<td class="num">(3,684)<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_us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit', window );">Amortization of prior service credit</a></td>
<td class="nump">20<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="nump">20<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_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses', window );">Amortization of net actuarial losses</a></td>
<td class="nump">926<span></span>
</td>
<td class="nump">159<span></span>
</td>
<td class="nump">1,344<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost', window );">Net periodic pension expense</a></td>
<td class="nump">$ 778<span></span>
</td>
<td class="nump">$ 271<span></span>
</td>
<td class="nump">$ 1,760<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPensionPlansAndDefinedBenefitPostretirementPlansDisclosureAbstract">
<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 );">- References</a><div><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;">us-gaap_DefinedBenefitPensionPlansAndDefinedBenefitPostretirementPlansDisclosureAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses">
<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 amount of gains or losses recognized in net periodic benefit cost.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit">
<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 amount of the prior service cost or credit recognized in net periodic benefit cost relating to benefit changes attributable to plan participants' prior service pursuant to a plan amendment or a plan initiation.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets">
<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>An amount calculated as a basis for determining the extent of delayed recognition of the effects of changes in the fair value of assets. The expected return on plan assets is determined based on the expected long-term rate of return on plan assets and the market-related value of plan assets.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 30<br> -Glossary Expected Return on Plan Assets<br> -URI http://asc.fasb.org/extlink&amp;oid=6512136<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 60<br> -Glossary Expected Return on Plan Assets<br> -URI http://asc.fasb.org/extlink&amp;oid=6512171<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_DefinedBenefitPlanInterestCost">
<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 increase in a defined benefit pension plan's projected benefit obligation or a defined benefit postretirement plan's accumulated postretirement benefit obligation due to the passage of time.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanInterestCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost">
<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 total amount of net periodic benefit cost for defined benefit plans for the period. Periodic benefit costs include the following components: service cost, interest cost, expected return on plan assets, gain (loss), prior service cost or credit, transition asset or obligation, and gain (loss) due to settlements or curtailments.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (j)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanServiceCost">
<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 actuarial present value of benefits attributed by the pension benefit formula to services rendered by employees during the period. The portion of the expected postretirement benefit obligation attributed to employee service during the period. The service cost component is a portion of the benefit obligation and is unaffected by the funded status of the plan.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Service Cost (Component of Net Periodic Pension Cost)<br> -URI http://asc.fasb.org/extlink&amp;oid=6525008<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanServiceCost</td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6824962944">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefit Plans (Actuarial Assumptions Used, Net Periodic Pension Cost) (Details)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_DefinedBenefitPensionPlansAndDefinedBenefitPostretirementPlansDisclosureAbstract', window );"><strong>Employee Benefit Plans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate', window );">Weighted average discount rate</a></td>
<td class="nump">3.86%<span></span>
</td>
<td class="nump">4.80%<span></span>
</td>
<td class="nump">3.84%<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_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease', window );">Rate of compensation increase</a></td>
<td class="nump">3.00%<span></span>
</td>
<td class="nump">3.00%<span></span>
</td>
<td class="nump">3.00%<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_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets', window );">Expected long-term rate of return</a></td>
<td class="nump">6.50%<span></span>
</td>
<td class="nump">6.50%<span></span>
</td>
<td class="nump">6.50%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<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 );">- References</a><div><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;">us-gaap_DefinedBenefitPensionPlansAndDefinedBenefitPostretirementPlansDisclosureAbstract</td>
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<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 interest rate used to adjust for the time value of money.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (k)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets">
<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>An assumption as to the rate of return on plan assets reflecting the average rate of earnings expected on the funds invested or to be invested to provide for the benefits included in the benefit obligation.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 30<br> -Glossary Expected Long-Term Rate of Return on Plan Assets<br> -URI http://asc.fasb.org/extlink&amp;oid=6512013<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (k)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<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>Expected rate of compensation increases (for pay-related plans).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (k)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<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">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6827619792">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Employee Benefit Plans (Actuarial Assumptions Used, Projected Benefit Obligation) (Details)<br></strong></div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_DefinedBenefitPensionPlansAndDefinedBenefitPostretirementPlansDisclosureAbstract', window );"><strong>Employee Benefit Plans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate', window );">Weighted average discount rate</a></td>
<td class="nump">4.21%<span></span>
</td>
<td class="nump">3.86%<span></span>
</td>
<td class="nump">4.80%<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_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease', window );">Rate of compensation increase</a></td>
<td class="nump">3.00%<span></span>
</td>
<td class="nump">3.00%<span></span>
</td>
<td class="nump">3.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPensionPlansAndDefinedBenefitPostretirementPlansDisclosureAbstract">
<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 );">- References</a><div><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;">us-gaap_DefinedBenefitPensionPlansAndDefinedBenefitPostretirementPlansDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate">
<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 interest rate used to adjust for the time value of money for the plan.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (k)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease">
<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>Expected rate of compensation increases (for pay-related plans).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (k)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease</td>
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<tr>
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<td>us-gaap_</td>
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<td>num:percentItemType</td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>120
<FILENAME>R107.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6826580304">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefit Plans (Target Allocation, Percentage Of Plan Assets And Weighted Average Expected Rate Of Return) (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_CashAndCashEquivalentsMember', window );">Cash And Cash Equivalents [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum', window );">Target Allocation, Minimum</a></td>
<td class="nump">0.00%<span></span>
</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_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum', window );">Target Allocation, Maximum</a></td>
<td class="nump">20.00%<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Percentage of Plan Assets</a></td>
<td class="nump">5.20%<span></span>
</td>
<td class="nump">8.70%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_DefinedBenefitPlanWeightedAverageExpectedLongTermRateOfReturn', window );">Weighted Average Expected Long-term Rate of Return</a></td>
<td class="nump">0.16%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_EquitySecuritiesMember', window );">Equity Securities [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum', window );">Target Allocation, Minimum</a></td>
<td class="nump">40.00%<span></span>
</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_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum', window );">Target Allocation, Maximum</a></td>
<td class="nump">60.00%<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Percentage of Plan Assets</a></td>
<td class="nump">47.20%<span></span>
</td>
<td class="nump">48.20%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_DefinedBenefitPlanWeightedAverageExpectedLongTermRateOfReturn', window );">Weighted Average Expected Long-term Rate of Return</a></td>
<td class="nump">3.97%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_FixedIncomeSecuritiesMember', window );">Fixed Income Securities [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum', window );">Target Allocation, Minimum</a></td>
<td class="nump">40.00%<span></span>
</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_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum', window );">Target Allocation, Maximum</a></td>
<td class="nump">60.00%<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Percentage of Plan Assets</a></td>
<td class="nump">43.90%<span></span>
</td>
<td class="nump">43.10%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_DefinedBenefitPlanWeightedAverageExpectedLongTermRateOfReturn', window );">Weighted Average Expected Long-term Rate of Return</a></td>
<td class="nump">2.01%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fisi_OtherFinancialInstrumentsMember', window );">Other Financial Instruments [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum', window );">Target Allocation, Minimum</a></td>
<td class="nump">0.00%<span></span>
</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_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum', window );">Target Allocation, Maximum</a></td>
<td class="nump">5.00%<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Percentage of Plan Assets</a></td>
<td class="nump">3.70%<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_DefinedBenefitPlanWeightedAverageExpectedLongTermRateOfReturn', window );">Weighted Average Expected Long-term Rate of Return</a></td>
<td class="nump">0.28%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_DefinedBenefitPlanWeightedAverageExpectedLongTermRateOfReturn">
<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>Defined Benefit Plan, Weighted Average Expected Long-Term Rate Of Return</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;">fisi_DefinedBenefitPlanWeightedAverageExpectedLongTermRateOfReturn</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
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<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanDisclosureLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_DefinedBenefitPlanDisclosureLineItems</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum">
<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>Target allocation maximum percentage of investments of this type to total plan assets presented on a weighted average basis.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (c)(i)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e2446-114920<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(i)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum">
<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>Target allocation minimum percentage of investments of this type to total plan assets presented on a weighted average basis.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(i)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (c)(i)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e2446-114920<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;">us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</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_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations">
<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>Percentage of fair value of investments (categorized by debt securities, equity securities, real estate and other plan assets) to the fair value of plan assets held.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e2446-114920<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_CashAndCashEquivalentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_EquitySecuritiesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_FixedIncomeSecuritiesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fisi_OtherFinancialInstrumentsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<title></title>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6846184496">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefit Plans (Changes In Fair Value Of Plan Assets) (Details)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2015 </div>
<div>USD ($)</div>
</th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets at beginning of period</a></td>
<td class="nump">$ 75,584<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_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets at end of period</a></td>
<td class="nump">72,358<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level 3 Inputs [Member]</a></td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</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_us-gaap_DefinedBenefitPlanPurchasesSalesAndSettlements', window );">Purchases</a></td>
<td class="nump">2,334<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_DefinedBenefitPlanUnrealizedGainLoss', window );">Unrealized Gain</a></td>
<td class="nump">336<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_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets at end of period</a></td>
<td class="nump">$ 2,670<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_DefinedBenefitPlanUnrealizedGainLoss">
<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>Defined Benefit Plan, Unrealized Gain (Loss)</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;">fisi_DefinedBenefitPlanUnrealizedGainLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_DefinedBenefitPlanDisclosureLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_DefinedBenefitPlanDisclosureLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets">
<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>Assets, usually stocks, bonds, and other investments, that have been segregated and restricted (usually in a trust) to provide benefits, at their fair value as of the measurement date. Plan assets include amounts contributed by the employer (and by employees for a contributory plan) and amounts earned from investing the contributions, less benefits paid. If a plan has liabilities other than for benefits, those non-benefit obligations may be considered as reductions of plan assets.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 30<br> -Section 35<br> -Paragraph 50<br> -URI http://asc.fasb.org/extlink&amp;oid=29635418&amp;loc=d3e12355-114930<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanPurchasesSalesAndSettlements">
<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>Amount of increase (decrease) in plan assets from purchases, sales and settlement of plan obligations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(02)(B)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (c)(iv)(02)(B)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e2446-114920<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;">us-gaap_DefinedBenefitPlanPurchasesSalesAndSettlements</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6830600352">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Employee Benefit Plans (The Major Categories Of Plan Assets Measured At Fair Value On a Recurring Basis) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_CashEquivalentsAtCarryingValue', window );">Cash equivalents</a></td>
<td class="nump">$ 3,780<span></span>
</td>
<td class="nump">$ 6,607<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_us-gaap_MarketableSecuritiesEquitySecurities', window );">Equity securities</a></td>
<td class="nump">34,166<span></span>
</td>
<td class="nump">36,432<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="nump">31,742<span></span>
</td>
<td class="nump">32,545<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsAndCash', window );">Total Plan investments</a></td>
<td class="nump">72,358<span></span>
</td>
<td class="nump">75,584<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_ForeignExchangeContractMember', window );">Foreign Exchange Contract [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_CashEquivalentsAtCarryingValue', window );">Cash equivalents</a></td>
<td class="nump">35<span></span>
</td>
<td class="nump">31<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_USTreasuryAndGovernmentMember', window );">U S Treasury And Government [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_CashEquivalentsAtCarryingValue', window );">Cash equivalents</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">249<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="nump">7,180<span></span>
</td>
<td class="nump">5,139<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_ShortTermInvestmentsMember', window );">Short Term Investments [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_CashEquivalentsAtCarryingValue', window );">Cash equivalents</a></td>
<td class="nump">3,745<span></span>
</td>
<td class="nump">6,327<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_CommonStockMember', window );">Common Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_MarketableSecuritiesEquitySecurities', window );">Equity securities</a></td>
<td class="nump">13,083<span></span>
</td>
<td class="nump">14,732<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fisi_DepositoryReceiptsMember', window );">Depository Receipts [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_MarketableSecuritiesEquitySecurities', window );">Equity securities</a></td>
<td class="nump">336<span></span>
</td>
<td class="nump">185<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_MultiemployerPlansPensionMember', window );">Commingled Pension Trust Funds [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_MarketableSecuritiesEquitySecurities', window );">Equity securities</a></td>
<td class="nump">10,557<span></span>
</td>
<td class="nump">10,802<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="nump">17,889<span></span>
</td>
<td class="nump">21,083<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_us-gaap_OtherInvestments', window );">Other investments</a></td>
<td class="nump">2,670<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_ExchangeTradedFundsMember', window );">Exchange Traded Funds [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_MarketableSecuritiesEquitySecurities', window );">Equity securities</a></td>
<td class="nump">10,190<span></span>
</td>
<td class="nump">10,573<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_PreferredStockMember', window );">Preferred Equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_MarketableSecuritiesEquitySecurities', window );">Equity securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">140<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_ConsumerLoansAutoFinancingReceivableMember', window );">Consumer Loans Auto Financing Receivable [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">330<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_CollateralizedMortgageObligationsMember', window );">Collateralized Mortgage Obligations [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="nump">608<span></span>
</td>
<td class="nump">682<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_AllOtherCorporateBondsMember', window );">All Other Corporate Bonds [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="nump">3,439<span></span>
</td>
<td class="nump">2,971<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember', window );">Federal Home Loan Mortgage Corporation [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="nump">276<span></span>
</td>
<td class="nump">73<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember', window );">Federal National Mortgage Association [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="nump">1,966<span></span>
</td>
<td class="nump">1,951<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fisi_GovernmentNationalMortgageAssociationCertificatesAndObligationsGnmaTwoMember', window );">Government National Mortgage Association Certificates And Obligations Gnma Two [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="nump">384<span></span>
</td>
<td class="nump">123<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fisi_OtherAssetBackedSecuritiesMember', window );">Other [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">160<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_OtherAssetsMember', window );">Other Assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">33<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member', window );">Level 1 Inputs [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_CashEquivalentsAtCarryingValue', window );">Cash equivalents</a></td>
<td class="nump">35<span></span>
</td>
<td class="nump">31<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_us-gaap_MarketableSecuritiesEquitySecurities', window );">Equity securities</a></td>
<td class="nump">23,609<span></span>
</td>
<td class="nump">25,630<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsAndCash', window );">Total Plan investments</a></td>
<td class="nump">23,644<span></span>
</td>
<td class="nump">25,661<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member', window );">Level 1 Inputs [Member] | Foreign Exchange Contract [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_CashEquivalentsAtCarryingValue', window );">Cash equivalents</a></td>
<td class="nump">35<span></span>
</td>
<td class="nump">31<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member', window );">Level 1 Inputs [Member] | Common Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_MarketableSecuritiesEquitySecurities', window );">Equity securities</a></td>
<td class="nump">13,083<span></span>
</td>
<td class="nump">14,732<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member', window );">Level 1 Inputs [Member] | Depository Receipts [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_MarketableSecuritiesEquitySecurities', window );">Equity securities</a></td>
<td class="nump">336<span></span>
</td>
<td class="nump">185<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member', window );">Level 1 Inputs [Member] | Exchange Traded Funds [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_MarketableSecuritiesEquitySecurities', window );">Equity securities</a></td>
<td class="nump">10,190<span></span>
</td>
<td class="nump">10,573<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member', window );">Level 1 Inputs [Member] | Preferred Equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_MarketableSecuritiesEquitySecurities', window );">Equity securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">140<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member', window );">Level 2 Inputs [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_CashEquivalentsAtCarryingValue', window );">Cash equivalents</a></td>
<td class="nump">3,745<span></span>
</td>
<td class="nump">6,576<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_us-gaap_MarketableSecuritiesEquitySecurities', window );">Equity securities</a></td>
<td class="nump">10,557<span></span>
</td>
<td class="nump">10,802<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="nump">31,742<span></span>
</td>
<td class="nump">32,545<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsAndCash', window );">Total Plan investments</a></td>
<td class="nump">46,044<span></span>
</td>
<td class="nump">49,923<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member', window );">Level 2 Inputs [Member] | U S Treasury And Government [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_CashEquivalentsAtCarryingValue', window );">Cash equivalents</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">249<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="nump">7,180<span></span>
</td>
<td class="nump">5,139<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member', window );">Level 2 Inputs [Member] | Short Term Investments [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_CashEquivalentsAtCarryingValue', window );">Cash equivalents</a></td>
<td class="nump">3,745<span></span>
</td>
<td class="nump">6,327<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member', window );">Level 2 Inputs [Member] | Commingled Pension Trust Funds [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_MarketableSecuritiesEquitySecurities', window );">Equity securities</a></td>
<td class="nump">10,557<span></span>
</td>
<td class="nump">10,802<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="nump">17,889<span></span>
</td>
<td class="nump">21,083<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member', window );">Level 2 Inputs [Member] | Consumer Loans Auto Financing Receivable [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">330<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member', window );">Level 2 Inputs [Member] | Collateralized Mortgage Obligations [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="nump">608<span></span>
</td>
<td class="nump">682<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member', window );">Level 2 Inputs [Member] | All Other Corporate Bonds [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="nump">3,439<span></span>
</td>
<td class="nump">2,971<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member', window );">Level 2 Inputs [Member] | Federal Home Loan Mortgage Corporation [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="nump">276<span></span>
</td>
<td class="nump">73<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member', window );">Level 2 Inputs [Member] | Federal National Mortgage Association [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="nump">1,966<span></span>
</td>
<td class="nump">1,951<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member', window );">Level 2 Inputs [Member] | Government National Mortgage Association Certificates And Obligations Gnma Two [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="nump">$ 384<span></span>
</td>
<td class="nump">123<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member', window );">Level 2 Inputs [Member] | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">160<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member', window );">Level 2 Inputs [Member] | Other Assets [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 33<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level 3 Inputs [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_CashEquivalentsAtCarryingValue', window );">Cash equivalents</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <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_us-gaap_MarketableSecuritiesEquitySecurities', window );">Equity securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsAndCash', window );">Total Plan investments</a></td>
<td class="nump">$ 2,670<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level 3 Inputs [Member] | Foreign Exchange Contract [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_CashEquivalentsAtCarryingValue', window );">Cash equivalents</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level 3 Inputs [Member] | U S Treasury And Government [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_CashEquivalentsAtCarryingValue', window );">Cash equivalents</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level 3 Inputs [Member] | Short Term Investments [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_CashEquivalentsAtCarryingValue', window );">Cash equivalents</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level 3 Inputs [Member] | Common Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_MarketableSecuritiesEquitySecurities', window );">Equity securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level 3 Inputs [Member] | Depository Receipts [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_MarketableSecuritiesEquitySecurities', window );">Equity securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level 3 Inputs [Member] | Commingled Pension Trust Funds [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_MarketableSecuritiesEquitySecurities', window );">Equity securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <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_us-gaap_OtherInvestments', window );">Other investments</a></td>
<td class="nump">$ 2,670<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level 3 Inputs [Member] | Exchange Traded Funds [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_MarketableSecuritiesEquitySecurities', window );">Equity securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level 3 Inputs [Member] | Preferred Equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_MarketableSecuritiesEquitySecurities', window );">Equity securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level 3 Inputs [Member] | Consumer Loans Auto Financing Receivable [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level 3 Inputs [Member] | Collateralized Mortgage Obligations [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level 3 Inputs [Member] | All Other Corporate Bonds [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level 3 Inputs [Member] | Federal Home Loan Mortgage Corporation [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level 3 Inputs [Member] | Federal National Mortgage Association [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level 3 Inputs [Member] | Government National Mortgage Association Certificates And Obligations Gnma Two [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level 3 Inputs [Member] | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level 3 Inputs [Member] | Other Assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_FixedIncomeSecurities', window );">Fixed income securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_FixedIncomeSecurities">
<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>Fixed Income Securities</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;">fisi_FixedIncomeSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashEquivalentsAtCarryingValue">
<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>Amount of short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Cash Equivalents<br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 1<br> -Article 5<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;">us-gaap_CashEquivalentsAtCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanDisclosureLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_DefinedBenefitPlanDisclosureLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_InvestmentsAndCash">
<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>Sum of investments and unrestricted cash as of the balance sheet date.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.1,2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<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;">us-gaap_InvestmentsAndCash</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MarketableSecuritiesEquitySecurities">
<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>For an unclassified balance sheet, this item represents investments in common and preferred stocks and other forms of securities that provide ownership interests in a corporation.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.1(b))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 1<br> -Subparagraph b<br> -Article 7<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;">us-gaap_MarketableSecuritiesEquitySecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherInvestments">
<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>Other investments not otherwise specified in the taxonomy.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.1(f,g))<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 1<br> -Subparagraph g<br> -Article 7<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 12<br> -Article 5<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;">us-gaap_OtherInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_ForeignExchangeContractMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_ForeignExchangeContractMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_USTreasuryAndGovernmentMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_USTreasuryAndGovernmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_ShortTermInvestmentsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_ShortTermInvestmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_CommonStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_CommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fisi_DepositoryReceiptsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fisi_DepositoryReceiptsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_MultiemployerPlansPensionMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_MultiemployerPlansPensionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_ExchangeTradedFundsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_ExchangeTradedFundsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_PreferredStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_PreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_ConsumerLoansAutoFinancingReceivableMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_ConsumerLoansAutoFinancingReceivableMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_CollateralizedMortgageObligationsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_CollateralizedMortgageObligationsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_AllOtherCorporateBondsMember</td>
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<tr>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_FederalHomeLoanMortgageCorporationCertificatesAndObligationsFHLMCMember</td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_FederalNationalMortgageAssociationCertificatesAndObligationsFNMAMember</td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fisi_GovernmentNationalMortgageAssociationCertificatesAndObligationsGnmaTwoMember</td>
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<td><strong> Data Type:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fisi_OtherAssetBackedSecuritiesMember</td>
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<tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_OtherAssetsMember</td>
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<td><strong> Balance Type:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<head>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6825118048">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefit Plans (Components Of Other Comprehensive Loss Related To Defined Benefit Plan And Postretirement Benefit Plan) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax', window );">Total recognized in accumulated other comprehensive loss</a></td>
<td class="num">$ (17,605)<span></span>
</td>
<td class="num">$ (17,613)<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_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent', window );">Deferred tax benefit</a></td>
<td class="nump">6,974<span></span>
</td>
<td class="nump">6,977<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_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax', window );">Amounts included in accumulated other comprehensive loss</a></td>
<td class="num">(10,631)<span></span>
</td>
<td class="num">(10,636)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Defined Benefit Plan [Member]</a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax', window );">Net actuarial loss</a></td>
<td class="num">(17,715)<span></span>
</td>
<td class="num">(17,747)<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_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax', window );">Prior service credit (cost)</a></td>
<td class="num">(32)<span></span>
</td>
<td class="num">(52)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax', window );">Total recognized in accumulated other comprehensive loss</a></td>
<td class="num">(17,747)<span></span>
</td>
<td class="num">(17,799)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember', window );">Other Postretirement Benefit Plans Defined Benefit [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax', window );">Net actuarial loss</a></td>
<td class="num">(162)<span></span>
</td>
<td class="num">(186)<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_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax', window );">Prior service credit (cost)</a></td>
<td class="nump">304<span></span>
</td>
<td class="nump">372<span></span>
</td>
</tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax', window );">Total recognized in accumulated other comprehensive loss</a></td>
<td class="nump">$ 142<span></span>
</td>
<td class="nump">$ 186<span></span>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax">
<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 total of net gain (loss), prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s) because they have yet to be recognized as components of net periodic benefit cost.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (j-k)<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e681-108580<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14A<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669686-108580<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;">us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax">
<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 pretax total of net gain (loss), prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s) because they have yet to be recognized as components of net periodic benefit cost.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (j)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (i-k)<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<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;">us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax">
<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 pretax net amount of gains and losses that are not yet recognized as a component of net periodic benefit cost, and that are recognized as increases or decreases in other comprehensive income as they arise. Gains and losses are due to changes in the value of either the benefit obligation or the plan assets resulting from experience different from that assumed or from a change in an actuarial assumption, or the consequence of a decision to temporarily deviate from the substantive plan.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (j)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
</div></td></tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount related to the pretax cost of benefit changes attributable to plan participants' prior service pursuant to a plan amendment or a plan initiation, which has not yet been recognized as components of net periodic benefit cost.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 60<br> -Glossary Prior Service Cost<br> -URI http://asc.fasb.org/extlink&amp;oid=6521920<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (j)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (j)<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 30<br> -Glossary Prior Service Cost<br> -URI http://asc.fasb.org/extlink&amp;oid=6521884<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;">us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanDisclosureLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_DefinedBenefitPlanDisclosureLineItems</td>
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<td><strong> Period Type:</strong></td>
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<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>Amount of tax (expense) benefit, after reclassification adjustments, of (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement defined benefit plans, attributable to parent entity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (c)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 19<br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<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;">us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<tr>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6846445408">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefit Plans (Changes In Plan Assets And Benefit Obligations Recognized In Other Comprehensive Loss) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</div></th>
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<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses', window );">Amortization of net loss</a></td>
<td class="num">$ (926)<span></span>
</td>
<td class="num">$ (159)<span></span>
</td>
<td class="num">$ (1,344)<span></span>
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<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_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax', window );">Total recognized in other comprehensive loss</a></td>
<td class="nump">8<span></span>
</td>
<td class="num">(9,581)<span></span>
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<td class="nump">$ 13,176<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Defined Benefit Plan [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossNetGainLossBeforeTax', window );">Net actuarial gain (loss)</a></td>
<td class="num">(894)<span></span>
</td>
<td class="num">(9,669)<span></span>
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<td class="text">&#160;<span></span>
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<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_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses', window );">Amortization of net loss</a></td>
<td class="nump">926<span></span>
</td>
<td class="nump">159<span></span>
</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_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax', window );">Amortization of prior service cost (credit)</a></td>
<td class="nump">20<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<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_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax', window );">Total recognized in other comprehensive loss</a></td>
<td class="nump">52<span></span>
</td>
<td class="num">(9,490)<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember', window );">Other Postretirement Benefit Plans Defined Benefit [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<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_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossNetGainLossBeforeTax', window );">Net actuarial gain (loss)</a></td>
<td class="nump">7<span></span>
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<td class="num">(40)<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses', window );">Amortization of net loss</a></td>
<td class="nump">17<span></span>
</td>
<td class="nump">17<span></span>
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<td class="text">&#160;<span></span>
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<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_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax', window );">Amortization of prior service cost (credit)</a></td>
<td class="num">(68)<span></span>
</td>
<td class="num">(68)<span></span>
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<td class="text">&#160;<span></span>
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<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_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax', window );">Total recognized in other comprehensive loss</a></td>
<td class="num">$ (44)<span></span>
</td>
<td class="num">$ (91)<span></span>
</td>
<td class="text">&#160;<span></span>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses">
<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 amount of gains or losses recognized in net periodic benefit cost.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before tax, after reclassification adjustments, of actuarial gain (loss) that has not been recognized in the income statement.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossNetGainLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax">
<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>Amount before tax, after reclassification adjustments, of prior service cost (credit) that has not been recognized in the income statement.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (j)<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<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;">us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_DefinedBenefitPlanDisclosureLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_DefinedBenefitPlanDisclosureLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax">
<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>Amount before tax, after reclassification adjustments, of (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement defined benefit plans.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (i-k)<br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<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;">us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</div>
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<html>
<head>
<title></title>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6828797552">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Fair Value Measurements (Narrative) (Details) - USD ($)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2015</div></th>
<th class="th"><div>Apr. 15, 2015</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=fisi_SubordinatedNotes1Member', window );">Subordinated Notes Due April 15, 2030 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Long-term borrowings</a></td>
<td class="nump">$ 40,000,000<span></span>
</td>
<td class="nump">$ 40,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentFaceAmount">
<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>Face (par) amount of debt instrument at time of issuance.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 55<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=34725769&amp;loc=d3e28878-108400<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6451184&amp;loc=d3e28551-108399<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;">us-gaap_DebtInstrumentFaceAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=fisi_SubordinatedNotes1Member">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=fisi_SubordinatedNotes1Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>126
<FILENAME>R113.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6826462704">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Fair Value Measurements (Assets Measured At Fair Value On A Recurring And Non-Recurring Basis) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AvailableForSaleSecurities', window );">Securities available for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 544,395<span></span>
</td>
<td class="nump">$ 622,494<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByAssetClassAxis=fisi_CollateralDependentImpairedFinancingReceivableMember', window );">Collateral Dependent Impaired Loans [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">1,485<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByAssetClassAxis=fisi_LoanServicingRightsMember', window );">Loan Servicing Rights [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,241<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByAssetClassAxis=fisi_OtherRealEstateOwnedOtherReceivableMember', window );">Other Real Estate Owned [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">163<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Measured On A Recurring Basis [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">544,395<span></span>
</td>
<td class="nump">622,494<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Measured On A Recurring Basis [Member] | U.S. Government Agencies And Government Sponsored Enterprises [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">260,863<span></span>
</td>
<td class="nump">160,475<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Measured On A Recurring Basis [Member] | Mortgage-Backed Securities [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">283,314<span></span>
</td>
<td class="nump">461,788<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Measured On A Recurring Basis [Member] | Asset-Backed Securities [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 218<span></span>
</td>
<td class="nump">$ 231<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Measured On A Recurring Basis [Member] | Level 1 Inputs [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Measured On A Recurring Basis [Member] | Level 1 Inputs [Member] | U.S. Government Agencies And Government Sponsored Enterprises [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Measured On A Recurring Basis [Member] | Level 1 Inputs [Member] | Mortgage-Backed Securities [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Measured On A Recurring Basis [Member] | Level 1 Inputs [Member] | Asset-Backed Securities [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Measured On A Recurring Basis [Member] | Level 2 Inputs [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 544,395<span></span>
</td>
<td class="nump">$ 622,494<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Measured On A Recurring Basis [Member] | Level 2 Inputs [Member] | U.S. Government Agencies And Government Sponsored Enterprises [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">260,863<span></span>
</td>
<td class="nump">160,475<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Measured On A Recurring Basis [Member] | Level 2 Inputs [Member] | Mortgage-Backed Securities [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">283,314<span></span>
</td>
<td class="nump">461,788<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Measured On A Recurring Basis [Member] | Level 2 Inputs [Member] | Asset-Backed Securities [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">218<span></span>
</td>
<td class="nump">231<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Measured On A Nonrecurring Basis [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,319<span></span>
</td>
<td class="nump">4,960<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Measured On A Nonrecurring Basis [Member] | Loans Held For Sale [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,430<span></span>
</td>
<td class="nump">755<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Measured On A Nonrecurring Basis [Member] | Collateral Dependent Impaired Loans [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,485<span></span>
</td>
<td class="nump">2,652<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Measured On A Nonrecurring Basis [Member] | Loan Servicing Rights [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,241<span></span>
</td>
<td class="nump">1,359<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Measured On A Nonrecurring Basis [Member] | Other Real Estate Owned [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 163<span></span>
</td>
<td class="nump">$ 194<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Measured On A Nonrecurring Basis [Member] | Level 1 Inputs [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Measured On A Nonrecurring Basis [Member] | Level 1 Inputs [Member] | Loans Held For Sale [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Measured On A Nonrecurring Basis [Member] | Level 1 Inputs [Member] | Collateral Dependent Impaired Loans [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Measured On A Nonrecurring Basis [Member] | Level 1 Inputs [Member] | Loan Servicing Rights [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Measured On A Nonrecurring Basis [Member] | Level 1 Inputs [Member] | Other Real Estate Owned [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Measured On A Nonrecurring Basis [Member] | Level 2 Inputs [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 1,430<span></span>
</td>
<td class="nump">$ 755<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Measured On A Nonrecurring Basis [Member] | Level 2 Inputs [Member] | Loans Held For Sale [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 1,430<span></span>
</td>
<td class="nump">$ 755<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Measured On A Nonrecurring Basis [Member] | Level 2 Inputs [Member] | Collateral Dependent Impaired Loans [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Measured On A Nonrecurring Basis [Member] | Level 2 Inputs [Member] | Loan Servicing Rights [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Measured On A Nonrecurring Basis [Member] | Level 2 Inputs [Member] | Other Real Estate Owned [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Measured On A Nonrecurring Basis [Member] | Level 3 Inputs [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 2,889<span></span>
</td>
<td class="nump">$ 4,205<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Measured On A Nonrecurring Basis [Member] | Level 3 Inputs [Member] | Collateral Dependent Impaired Loans [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,485<span></span>
</td>
<td class="nump">2,652<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Measured On A Nonrecurring Basis [Member] | Level 3 Inputs [Member] | Loan Servicing Rights [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,241<span></span>
</td>
<td class="nump">1,359<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Measured On A Nonrecurring Basis [Member] | Level 3 Inputs [Member] | Other Real Estate Owned [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 163<span></span>
</td>
<td class="nump">$ 194<span></span>
</td>
</tr>
<tr><td colspan="4"></td></tr>
<tr><td colspan="4"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top">Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are not identifiable.</td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsFairValueDisclosure">
<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>Fair value portion of probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=36462937&amp;loc=d3e19207-110258<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;">us-gaap_AssetsFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
<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>Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 25<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (aa)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<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;">us-gaap_AvailableForSaleSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_FairValueByAssetClassAxis=fisi_CollateralDependentImpairedFinancingReceivableMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByAssetClassAxis=fisi_CollateralDependentImpairedFinancingReceivableMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByAssetClassAxis=fisi_LoanServicingRightsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByAssetClassAxis=fisi_LoanServicingRightsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByAssetClassAxis=fisi_OtherRealEstateOwnedOtherReceivableMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByAssetClassAxis=fisi_OtherRealEstateOwnedOtherReceivableMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByAssetClassAxis=us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByAssetClassAxis=us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByAssetClassAxis=us-gaap_MortgageBackedSecuritiesMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByAssetClassAxis=us-gaap_MortgageBackedSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByAssetClassAxis=us-gaap_AssetBackedSecuritiesMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByAssetClassAxis=us-gaap_AssetBackedSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByAssetClassAxis=fisi_LoansHeldForSaleMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByAssetClassAxis=fisi_LoansHeldForSaleMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>127
<FILENAME>R114.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6830706528">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair Value Measurements (Additional Quantitative Information About Assets Measured At Fair Value On A Recurring And Non-Recurring Basis) (Details)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr><th class="th" colspan="2">
<div>Dec. 31, 2015 </div>
<div>USD ($)</div>
</th></tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByAssetClassAxis=fisi_CollateralDependentImpairedFinancingReceivableMember', window );">Collateral Dependent Impaired Loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems', window );"><strong>Fair Value Inputs, Assets, Quantitative Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="nump">$ 1,485<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByAssetClassAxis=fisi_LoanServicingRightsMember', window );">Loan Servicing Rights [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems', window );"><strong>Fair Value Inputs, Assets, Quantitative Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="nump">$ 1,241<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_us-gaap_FairValueInputsDiscountRate', window );">Discount rate</a></td>
<td class="nump">5.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></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_us-gaap_FairValueInputsPrepaymentRate', window );">Constant prepayment rate</a></td>
<td class="nump">12.40%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByAssetClassAxis=fisi_OtherRealEstateOwnedOtherReceivableMember', window );">Other Real Estate Owned [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems', window );"><strong>Fair Value Inputs, Assets, Quantitative Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_us-gaap_AssetsFairValueDisclosure', window );">Assets at fair value</a></td>
<td class="nump">$ 163<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MinimumMember', window );">Minimum [Member] | Collateral Dependent Impaired Loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems', window );"><strong>Fair Value Inputs, Assets, Quantitative Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_us-gaap_FairValueInputsComparabilityAdjustments', window );">Appraisal adjustments</a></td>
<td class="nump">0.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MinimumMember', window );">Minimum [Member] | Other Real Estate Owned [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems', window );"><strong>Fair Value Inputs, Assets, Quantitative Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_us-gaap_FairValueInputsComparabilityAdjustments', window );">Appraisal adjustments</a></td>
<td class="nump">9.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MaximumMember', window );">Maximum [Member] | Collateral Dependent Impaired Loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems', window );"><strong>Fair Value Inputs, Assets, Quantitative Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_us-gaap_FairValueInputsComparabilityAdjustments', window );">Appraisal adjustments</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MaximumMember', window );">Maximum [Member] | Other Real Estate Owned [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems', window );"><strong>Fair Value Inputs, Assets, Quantitative Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></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_us-gaap_FairValueInputsComparabilityAdjustments', window );">Appraisal adjustments</a></td>
<td class="nump">58.00%<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><table class="outerFootnotes" width="100%">
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top">Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are not identifiable.</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top">Weighted averages.</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top">Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.</td>
</tr>
</table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsFairValueDisclosure">
<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>Fair value portion of probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=36462937&amp;loc=d3e19207-110258<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;">us-gaap_AssetsFairValueDisclosure</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_FairValueInputsAssetsQuantitativeInformationLineItems</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<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>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueInputsComparabilityAdjustments">
<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>Percentage of adjustment to the observed price for a similar asset or liability when an identical transaction does not exist, used as an input to measure fair value.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)<br> -URI http://asc.fasb.org/extlink&amp;oid=36462937&amp;loc=d3e19207-110258<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;">us-gaap_FairValueInputsComparabilityAdjustments</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueInputsDiscountRate">
<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>Interest rate used to find the present value of an amount to be paid or received in the future as an input to measure fair value.  For example, but not limited to, weighted average cost of capital (WACC), cost of capital, cost of equity and cost of debt.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)<br> -URI http://asc.fasb.org/extlink&amp;oid=36462937&amp;loc=d3e19207-110258<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;">us-gaap_FairValueInputsDiscountRate</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<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>Rate at which loans or a loan portfolio are expected to prepay principal balances, used as an input to measure fair value.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)<br> -URI http://asc.fasb.org/extlink&amp;oid=36462937&amp;loc=d3e19207-110258<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;">us-gaap_FairValueInputsPrepaymentRate</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByAssetClassAxis=fisi_CollateralDependentImpairedFinancingReceivableMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByAssetClassAxis=fisi_CollateralDependentImpairedFinancingReceivableMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByAssetClassAxis=fisi_LoanServicingRightsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByAssetClassAxis=fisi_LoanServicingRightsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByAssetClassAxis=fisi_OtherRealEstateOwnedOtherReceivableMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByAssetClassAxis=fisi_OtherRealEstateOwnedOtherReceivableMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RangeAxis=us-gaap_MinimumMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MinimumMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MaximumMember</td>
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<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6826258384">
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<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Fair Value Measurements (Carrying Amount, Estimated Fair Value, And Placement In Fair Value Hierarchy Of Financial Instruments) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</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_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AvailableForSaleSecurities', window );">Securities available for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 544,395<span></span>
</td>
<td class="nump">$ 622,494<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Securities held to maturity, fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">490,064<span></span>
</td>
<td class="nump">298,695<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember', window );">Carrying Amount [Member] | Level 1 Inputs [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">60,121<span></span>
</td>
<td class="nump">58,151<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_us-gaap_InterestReceivable', window );">Accrued interest receivable</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">8,609<span></span>
</td>
<td class="nump">8,104<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_NonMaturityDepositsFairValueDisclosure', window );">Non-maturity deposits</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,093,513<span></span>
</td>
<td class="nump">1,857,285<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_us-gaap_ShorttermDebtFairValue', window );">Short-term borrowings</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">293,100<span></span>
</td>
<td class="nump">334,804<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_us-gaap_AccountsPayableFairValueDisclosure', window );">Accrued interest payable</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,676<span></span>
</td>
<td class="nump">3,862<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember', window );">Carrying Amount [Member] | Level 2 Inputs [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AvailableForSaleSecurities', window );">Securities available for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">544,395<span></span>
</td>
<td class="nump">622,494<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_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Securities held to maturity, fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">485,717<span></span>
</td>
<td class="nump">294,438<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_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,430<span></span>
</td>
<td class="nump">755<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_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,055,192<span></span>
</td>
<td class="nump">1,881,713<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_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock', window );">FHLB and FRB stock</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">19,991<span></span>
</td>
<td class="nump">19,014<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_us-gaap_DepositsFairValueDisclosure', window );">Time deposits</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">637,018<span></span>
</td>
<td class="nump">593,242<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_us-gaap_LongTermDebtFairValue', window );">Long-term borrowings</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">38,990<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember', window );">Carrying Amount [Member] | Level 3 Inputs [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">1,485<span></span>
</td>
<td class="nump">2,652<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember', window );">Estimated Fair Value [Member] | Level 1 Inputs [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">60,121<span></span>
</td>
<td class="nump">58,151<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_us-gaap_InterestReceivable', window );">Accrued interest receivable</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">8,609<span></span>
</td>
<td class="nump">8,104<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_NonMaturityDepositsFairValueDisclosure', window );">Non-maturity deposits</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,093,513<span></span>
</td>
<td class="nump">1,857,285<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_us-gaap_ShorttermDebtFairValue', window );">Short-term borrowings</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">293,100<span></span>
</td>
<td class="nump">334,804<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_us-gaap_AccountsPayableFairValueDisclosure', window );">Accrued interest payable</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,676<span></span>
</td>
<td class="nump">3,862<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember', window );">Estimated Fair Value [Member] | Level 2 Inputs [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_AvailableForSaleSecurities', window );">Securities available for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">544,395<span></span>
</td>
<td class="nump">622,494<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_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Securities held to maturity, fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">490,064<span></span>
</td>
<td class="nump">298,695<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_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,430<span></span>
</td>
<td class="nump">755<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_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,046,235<span></span>
</td>
<td class="nump">1,887,959<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_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock', window );">FHLB and FRB stock</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">19,991<span></span>
</td>
<td class="nump">19,014<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_us-gaap_DepositsFairValueDisclosure', window );">Time deposits</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">636,159<span></span>
</td>
<td class="nump">593,793<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_us-gaap_LongTermDebtFairValue', window );">Long-term borrowings</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">40,313<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember', window );">Estimated Fair Value [Member] | Level 3 Inputs [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</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_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">$ 1,485<span></span>
</td>
<td class="nump">$ 2,652<span></span>
</td>
</tr>
<tr><td colspan="4"></td></tr>
<tr><td colspan="4"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top">Comprised of collateral dependent impaired loans.</td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_NonMaturityDepositsFairValueDisclosure">
<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>Non-Maturity Deposits Fair Value Disclosure</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;">fisi_NonMaturityDepositsFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsPayableFairValueDisclosure">
<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>Fair value portion of liabilities incurred for goods and services received that are used in an entity's business and related party payables.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=35750535&amp;loc=d3e13487-108611<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section 45<br> -Paragraph 8<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=28358313&amp;loc=d3e6935-107765<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 19<br> -Subparagraph a<br> -Article 5<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;">us-gaap_AccountsPayableFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
<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>Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 25<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (aa)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<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;">us-gaap_AvailableForSaleSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure">
<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>Fair value portion of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Cash<br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Cash Equivalents<br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<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;">us-gaap_CashAndCashEquivalentsFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsFairValueDisclosure">
<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>Fair value portion of deposit liabilities held by the entity, including, but not limited to, foreign and domestic, interest and noninterest bearing, demand deposits, saving deposits, negotiable orders of withdrawal (NOW) and time deposits.</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;">us-gaap_DepositsFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock">
<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>Amount of Federal Home Loan Bank (FHLB) and Federal Reserve Bank stock.</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;">us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesFairValue">
<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>Fair value of investments in debt securities classified as held-to-maturity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (aa)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<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;">us-gaap_HeldToMaturitySecuritiesFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestReceivable">
<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>Carrying amount as of the balance sheet date of interest earned but not received. Also called accrued interest or accrued interest receivable.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.8)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 8<br> -Article 5<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;">us-gaap_InterestReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansHeldForSaleFairValueDisclosure">
<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>Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.</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;">us-gaap_LoansHeldForSaleFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansReceivableFairValueDisclosure">
<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>Fair value portion of loan receivable, including, but not limited to, mortgage loans held for investment, finance receivables held for investment, policy loans on insurance contracts.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Glossary Loan<br> -URI http://asc.fasb.org/extlink&amp;oid=6517073<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;">us-gaap_LoansReceivableFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebtFairValue">
<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 fair value amount of long-term debt whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same 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;">us-gaap_LongTermDebtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShorttermDebtFairValue">
<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>This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents the amount of short-term debt existing as of the balance sheet date.</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;">us-gaap_ShorttermDebtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByMeasurementBasisAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
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<head>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6828628256">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Parent Company Financial Information (Condensed Statements Of Condition) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</div></th>
<th class="th"><div>Dec. 31, 2012</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_us-gaap_CondensedFinancialStatementsCaptionsLineItems', window );"><strong>Condensed Financial Statements, Captions [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_OtherAssets', window );">Other assets</a></td>
<td class="nump">$ 63,248<span></span>
</td>
<td class="nump">$ 63,281<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">3,381,024<span></span>
</td>
<td class="nump">3,089,521<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_LongTermDebt', window );">Long-term borrowings, net of issuance costs of $1,010</a></td>
<td class="nump">38,990<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
<td class="nump">24,559<span></span>
</td>
<td class="nump">24,658<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Shareholders' equity</a></td>
<td class="nump">293,844<span></span>
</td>
<td class="nump">279,532<span></span>
</td>
<td class="nump">$ 254,839<span></span>
</td>
<td class="nump">$ 253,897<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and shareholders' equity</a></td>
<td class="nump">3,381,024<span></span>
</td>
<td class="nump">3,089,521<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_UnamortizedDebtIssuanceExpense', window );">Debt issuance costs</a></td>
<td class="nump">1,010<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LegalEntityAxis=us-gaap_ParentCompanyMember', window );">Parent Company [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_CondensedFinancialStatementsCaptionsLineItems', window );"><strong>Condensed Financial Statements, Captions [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_CashAndDueFromSubsidiary', window );">Cash and due from subsidiary</a></td>
<td class="nump">15,787<span></span>
</td>
<td class="nump">9,559<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures', window );">Investment in and receivables due from subsidiary</a></td>
<td class="nump">318,928<span></span>
</td>
<td class="nump">273,237<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_OtherAssets', window );">Other assets</a></td>
<td class="nump">4,451<span></span>
</td>
<td class="nump">3,433<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">339,166<span></span>
</td>
<td class="nump">286,229<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_LongTermDebt', window );">Long-term borrowings, net of issuance costs of $1,010</a></td>
<td class="nump">38,990<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
<td class="nump">6,332<span></span>
</td>
<td class="nump">6,697<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Shareholders' equity</a></td>
<td class="nump">293,844<span></span>
</td>
<td class="nump">279,532<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and shareholders' equity</a></td>
<td class="nump">339,166<span></span>
</td>
<td class="nump">$ 286,229<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_UnamortizedDebtIssuanceExpense', window );">Debt issuance costs</a></td>
<td class="nump">$ 1,010<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_CashAndDueFromSubsidiary">
<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>Cash and due from subsidiary</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;">fisi_CashAndDueFromSubsidiary</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
<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>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.18)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 12<br> -Article 7<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 18<br> -Article 5<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;">us-gaap_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CondensedFinancialStatementsCaptionsLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_CondensedFinancialStatementsCaptionsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures">
<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>Total investments in (A) an entity in which the entity has significant influence, but does not have control, (B) subsidiaries that are not required to be consolidated and are accounted for using the equity and or cost method, and (C) an entity in which the reporting entity shares control of the entity with another party or group. Includes long-term advances receivable from a party that is affiliated with the reporting entity by means of direct or indirect ownership.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<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;">us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquity">
<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>Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.32)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 25<br> -Article 7<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 32<br> -Article 5<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;">us-gaap_LiabilitiesAndStockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebt">
<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>Carrying amount of long-term debt, net of unamortized discount or premium, including current and noncurrent amounts. Includes, but not limited to, notes payable, bonds payable, debentures, mortgage loans and commercial paper. Excludes capital lease obligations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.16)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.22)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.16)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 16<br> -Article 9<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 20, 22<br> -Article 5<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 16<br> -Article 7<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;">us-gaap_LongTermDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssets">
<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 aggregate carrying amounts, as of the balance sheet date, of assets not separately disclosed in the balance sheet.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.17)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 10<br> -Article 7<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 17<br> -Article 5<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;">us-gaap_OtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherLiabilities">
<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 aggregate carrying amount, as of the balance sheet date, of liabilities not separately disclosed in the balance sheet.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.15)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 15<br> -Article 9<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;">us-gaap_OtherLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
<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>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB TOPIC 4.E)<br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74512-122707<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29-31)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 29, 30, 31<br> -Article 5<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Staff Accounting Bulletin (SAB)<br> -Number Topic 4<br> -Section E<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;">us-gaap_StockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnamortizedDebtIssuanceExpense">
<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 remaining balance of debt issuance expenses that were capitalized and are being amortized against income over the lives of the respective bond issues. This does not include the amounts capitalized as part of the cost of the utility plant or asset.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.17)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<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;">us-gaap_UnamortizedDebtIssuanceExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LegalEntityAxis=us-gaap_ParentCompanyMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=us-gaap_ParentCompanyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6822810640">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Parent Company Financial Information (Condensed Statements Of Income) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_CondensedFinancialStatementsCaptionsLineItems', window );"><strong>Condensed Financial Statements, Captions [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="nump">$ 10,137<span></span>
</td>
<td class="nump">$ 7,281<span></span>
</td>
<td class="nump">$ 7,337<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_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Income before income tax benefit and equity in undistributed earnings of subsidiary</a></td>
<td class="nump">38,876<span></span>
</td>
<td class="nump">38,980<span></span>
</td>
<td class="nump">37,907<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_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax (expense) benefit</a></td>
<td class="num">(10,539)<span></span>
</td>
<td class="num">(9,625)<span></span>
</td>
<td class="num">(12,377)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="nump">28,337<span></span>
</td>
<td class="nump">29,355<span></span>
</td>
<td class="nump">25,530<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LegalEntityAxis=us-gaap_ParentCompanyMember', window );">Parent Company [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_CondensedFinancialStatementsCaptionsLineItems', window );"><strong>Condensed Financial Statements, Captions [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_CashDividendsPaidToParentCompany', window );">Dividends from subsidiary and associated companies</a></td>
<td class="nump">16,000<span></span>
</td>
<td class="nump">20,920<span></span>
</td>
<td class="nump">15,000<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_us-gaap_ManagementFeesRevenue', window );">Management and service fees from subsidiary</a></td>
<td class="nump">599<span></span>
</td>
<td class="nump">417<span></span>
</td>
<td class="nump">368<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_us-gaap_OtherIncome', window );">Other income</a></td>
<td class="nump">1,175<span></span>
</td>
<td class="nump">74<span></span>
</td>
<td class="nump">71<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Revenues', window );">Total income</a></td>
<td class="nump">17,774<span></span>
</td>
<td class="nump">21,411<span></span>
</td>
<td class="nump">15,439<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_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="nump">1,750<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_OperatingExpenses', window );">Operating expenses</a></td>
<td class="nump">3,509<span></span>
</td>
<td class="nump">3,437<span></span>
</td>
<td class="nump">2,906<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostsAndExpenses', window );">Total expenses</a></td>
<td class="nump">5,259<span></span>
</td>
<td class="nump">3,437<span></span>
</td>
<td class="nump">2,906<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_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Income before income tax benefit and equity in undistributed earnings of subsidiary</a></td>
<td class="nump">12,515<span></span>
</td>
<td class="nump">17,974<span></span>
</td>
<td class="nump">12,533<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_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax (expense) benefit</a></td>
<td class="nump">1,814<span></span>
</td>
<td class="nump">1,120<span></span>
</td>
<td class="nump">1,020<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fisi_IncomeBeforeEquityInUndistributedEarningsOfSubsidiary', window );">Income before equity in undistributed earnings of subsidiary</a></td>
<td class="nump">14,329<span></span>
</td>
<td class="nump">19,094<span></span>
</td>
<td class="nump">13,553<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_us-gaap_IncomeLossFromEquityMethodInvestments', window );">Equity in undistributed earnings of subsidiary</a></td>
<td class="nump">14,008<span></span>
</td>
<td class="nump">10,261<span></span>
</td>
<td class="nump">11,977<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="nump">$ 28,337<span></span>
</td>
<td class="nump">$ 29,355<span></span>
</td>
<td class="nump">$ 25,530<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fisi_IncomeBeforeEquityInUndistributedEarningsOfSubsidiary">
<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>Income Before Equity In Undistributed Earnings Of Subsidiary</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;">fisi_IncomeBeforeEquityInUndistributedEarningsOfSubsidiary</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fisi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_CashDividendsPaidToParentCompany">
<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>This element represents disclosure of the total aggregate cash dividends paid to the entity by consolidated subsidiaries, by unconsolidated subsidiaries, and by 50% or less owned persons accounted for using the equity method.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(b))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e24072-122690<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 235<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.9-06)<br> -URI http://asc.fasb.org/extlink&amp;oid=6882215&amp;loc=d3e537971-122884<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 06<br> -Article 9<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph b<br> -Article 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;">us-gaap_CashDividendsPaidToParentCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_CondensedFinancialStatementsCaptionsLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_CondensedFinancialStatementsCaptionsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</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_us-gaap_CostsAndExpenses">
<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>Total costs of sales and operating expenses for the period.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03)<br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<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;">us-gaap_CostsAndExpenses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest">
<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>This element represents the income or loss from continuing operations attributable to the economic entity which may also be defined as revenue less expenses from ongoing operations, after income or loss from equity method investments, but before income taxes, extraordinary items, and noncontrolling interest.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 940<br> -SubTopic 20<br> -Section 25<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=35710027&amp;loc=d3e41242-110953<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 10<br> -Article 5<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;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_IncomeLossFromEquityMethodInvestments">
<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>This item represents the entity's proportionate share for the period of the net income (loss) of its investee (such as unconsolidated subsidiaries and joint ventures) to which the equity method of accounting is applied. This item includes income or expense related to stock-based compensation based on the investor's grant of stock to employees of an equity method investee.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=35755396&amp;loc=d3e33749-111570<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 9<br> -Article 5<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 11<br> -Article 7<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;">us-gaap_IncomeLossFromEquityMethodInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_IncomeTaxExpenseBenefit">
<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>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a),(b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Income Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 08<br> -Paragraph h<br> -Article 4<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;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_InterestExpense">
<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>Amount of the cost of borrowed funds accounted for as interest expense.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.9)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 9<br> -Article 9<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;">us-gaap_InterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ManagementFeesRevenue">
<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>Revenue, comprised of base and incentive revenue derived from the management of joint ventures, managing third-party properties, or another entity's operations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.1(d))<br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<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;">us-gaap_ManagementFeesRevenue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_NetIncomeLoss">
<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 portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Net Income<br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.19)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.18)<br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.22)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Other Comprehensive Income<br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 19<br> -Article 5<br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 20<br> -Article 9<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;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_OperatingExpenses">
<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>Generally recurring costs associated with normal operations except for the portion of these expenses which can be clearly related to production and included in cost of sales or services. Includes selling, general and administrative expense.</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;">us-gaap_OperatingExpenses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_OtherIncome">
<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>Reflects the sum of all other revenue and income recognized by the entity in the period not otherwise specified in the income statement.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.4)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 4<br> -Article 7<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;">us-gaap_OtherIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_Revenues">
<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>Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income before deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 1<br> -Article 5<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;">us-gaap_Revenues</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_LegalEntityAxis=us-gaap_ParentCompanyMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=us-gaap_ParentCompanyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>131
<FILENAME>R118.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6848199808">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Parent Company Financial Information (Condensed Statements Of Cash Flows) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_CondensedFinancialStatementsCaptionsLineItems', window );"><strong>Condensed Financial Statements, Captions [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="nump">$ 28,337<span></span>
</td>
<td class="nump">$ 29,355<span></span>
</td>
<td class="nump">$ 25,530<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_us-gaap_DepreciationAndAmortization', window );">Depreciation and amortization</a></td>
<td class="nump">5,429<span></span>
</td>
<td class="nump">4,583<span></span>
</td>
<td class="nump">4,181<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_us-gaap_ShareBasedCompensation', window );">Share-based compensation</a></td>
<td class="nump">674<span></span>
</td>
<td class="nump">471<span></span>
</td>
<td class="nump">407<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_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">(Increase) decrease in other assets</a></td>
<td class="num">(545)<span></span>
</td>
<td class="num">(1,606)<span></span>
</td>
<td class="num">(6,640)<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_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities', window );">Decrease in other liabilities</a></td>
<td class="nump">376<span></span>
</td>
<td class="num">(2,991)<span></span>
</td>
<td class="nump">6,981<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations', window );">Net cash provided by operating activities</a></td>
<td class="nump">43,089<span></span>
</td>
<td class="nump">35,229<span></span>
</td>
<td class="nump">37,198<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_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired', window );">Net cash paid for acquisition</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,995<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations', window );">Net cash used in investing activities</a></td>
<td class="num">(305,874)<span></span>
</td>
<td class="num">(153,490)<span></span>
</td>
<td class="num">(242,192)<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_us-gaap_ProceedsFromIssuanceOfLongTermDebt', window );">Issuance of long-term debt, net of issuance costs</a></td>
<td class="nump">40,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ProceedsFromStockOptionsExercised', window );">Proceeds from stock options exercised</a></td>
<td class="nump">359<span></span>
</td>
<td class="nump">667<span></span>
</td>
<td class="nump">448<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations', window );">Net cash provided by financing activities</a></td>
<td class="nump">264,755<span></span>
</td>
<td class="nump">116,720<span></span>
</td>
<td class="nump">204,250<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">Net increase (decrease) in cash and cash equivalents</a></td>
<td class="nump">1,970<span></span>
</td>
<td class="num">(1,541)<span></span>
</td>
<td class="num">(744)<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_us-gaap_CashAndDueFromBanks', window );">Cash and cash equivalents, beginning of period</a></td>
<td class="nump">58,151<span></span>
</td>
<td class="nump">59,692<span></span>
</td>
<td class="nump">60,436<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_us-gaap_CashAndDueFromBanks', window );">Cash and cash equivalents, end of period</a></td>
<td class="nump">60,121<span></span>
</td>
<td class="nump">58,151<span></span>
</td>
<td class="nump">59,692<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LegalEntityAxis=us-gaap_ParentCompanyMember', window );">Parent Company [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_CondensedFinancialStatementsCaptionsLineItems', window );"><strong>Condensed Financial Statements, Captions [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="nump">28,337<span></span>
</td>
<td class="nump">29,355<span></span>
</td>
<td class="nump">25,530<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_us-gaap_IncomeLossFromEquityMethodInvestments', window );">Equity in undistributed earnings of subsidiary</a></td>
<td class="num">(14,008)<span></span>
</td>
<td class="num">(10,261)<span></span>
</td>
<td class="num">(11,977)<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_us-gaap_DepreciationAndAmortization', window );">Depreciation and amortization</a></td>
<td class="nump">97<span></span>
</td>
<td class="nump">48<span></span>
</td>
<td class="nump">47<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_us-gaap_ShareBasedCompensation', window );">Share-based compensation</a></td>
<td class="nump">674<span></span>
</td>
<td class="nump">471<span></span>
</td>
<td class="nump">407<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_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">(Increase) decrease in other assets</a></td>
<td class="num">(1,069)<span></span>
</td>
<td class="nump">5,661<span></span>
</td>
<td class="nump">166<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_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities', window );">Decrease in other liabilities</a></td>
<td class="num">(258)<span></span>
</td>
<td class="num">(5,717)<span></span>
</td>
<td class="num">(17)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations', window );">Net cash provided by operating activities</a></td>
<td class="nump">13,773<span></span>
</td>
<td class="nump">19,557<span></span>
</td>
<td class="nump">14,156<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_us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries', window );">Capital investment in Five Star Bank</a></td>
<td class="num">(34,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired', window );">Net cash paid for acquisition</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(7,995)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations', window );">Net cash used in investing activities</a></td>
<td class="num">(34,000)<span></span>
</td>
<td class="num">(7,995)<span></span>
</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_us-gaap_ProceedsFromIssuanceOfLongTermDebt', window );">Issuance of long-term debt, net of issuance costs</a></td>
<td class="nump">38,940<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_PaymentsForRepurchaseOfEquity', window );">Purchase of preferred and common shares</a></td>
<td class="num">(202)<span></span>
</td>
<td class="num">(196)<span></span>
</td>
<td class="num">(360)<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_us-gaap_ProceedsFromStockOptionsExercised', window );">Proceeds from stock options exercised</a></td>
<td class="nump">359<span></span>
</td>
<td class="nump">667<span></span>
</td>
<td class="nump">448<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_us-gaap_PaymentsOfDividends', window );">Dividends paid</a></td>
<td class="num">(12,721)<span></span>
</td>
<td class="num">(11,984)<span></span>
</td>
<td class="num">(11,218)<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_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities', window );">Other</a></td>
<td class="nump">79<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(118)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations', window );">Net cash provided by financing activities</a></td>
<td class="nump">26,455<span></span>
</td>
<td class="num">(11,513)<span></span>
</td>
<td class="num">(11,248)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">Net increase (decrease) in cash and cash equivalents</a></td>
<td class="nump">6,228<span></span>
</td>
<td class="nump">49<span></span>
</td>
<td class="nump">2,908<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_us-gaap_CashAndDueFromBanks', window );">Cash and cash equivalents, beginning of period</a></td>
<td class="nump">9,559<span></span>
</td>
<td class="nump">9,510<span></span>
</td>
<td class="nump">6,602<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_us-gaap_CashAndDueFromBanks', window );">Cash and cash equivalents, end of period</a></td>
<td class="nump">$ 15,787<span></span>
</td>
<td class="nump">$ 9,559<span></span>
</td>
<td class="nump">$ 9,510<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease">
<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>Amount of increase (decrease) in cash and cash equivalents. Cash and cash equivalents are the amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Includes effect from exchange rate changes.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 230<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6450594&amp;loc=d3e33268-110906<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;">us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_CashAndDueFromBanks">
<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>For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Cash<br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Cash Equivalents<br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 1, 2, 3<br> -Article 9<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;">us-gaap_CashAndDueFromBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CondensedFinancialStatementsCaptionsLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_CondensedFinancialStatementsCaptionsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepreciationAndAmortization">
<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 current period expense charged against earnings on long-lived, physical assets not used in production, and which are not intended for resale, to allocate or recognize the cost of such assets over their useful lives; or to record the reduction in book value of an intangible asset over the benefit period of such asset; or to reflect consumption during the period of an asset that is not used in production.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<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;">us-gaap_DepreciationAndAmortization</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_IncomeLossFromEquityMethodInvestments">
<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>This item represents the entity's proportionate share for the period of the net income (loss) of its investee (such as unconsolidated subsidiaries and joint ventures) to which the equity method of accounting is applied. This item includes income or expense related to stock-based compensation based on the investor's grant of stock to employees of an equity method investee.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=35755396&amp;loc=d3e33749-111570<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 9<br> -Article 5<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 11<br> -Article 7<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;">us-gaap_IncomeLossFromEquityMethodInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_IncreaseDecreaseInOtherOperatingAssets">
<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 increase (decrease) during the reporting period in other assets used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current assets, other noncurrent assets, or a combination of other current and noncurrent assets.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<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;">us-gaap_IncreaseDecreaseInOtherOperatingAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities">
<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 increase (decrease) during the reporting period in other liabilities used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current liabilities, other noncurrent liabilities, or a combination of other current and noncurrent liabilities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<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;">us-gaap_IncreaseDecreaseInOtherOperatingLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations">
<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>Amount of cash inflow (outflow) of financing activities, excluding discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 26<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3574-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<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;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations">
<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>Amount of cash inflow (outflow) of investing activities, excluding discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 26<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3574-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<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;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations">
<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>Amount of cash inflow (outflow) from operating activities, excluding discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3536-108585<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;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</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_us-gaap_NetIncomeLoss">
<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 portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Net Income<br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.19)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.18)<br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.22)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Other Comprehensive Income<br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 19<br> -Article 5<br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 20<br> -Article 9<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;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsForRepurchaseOfEquity">
<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 cash outflow to reacquire common and preferred stock.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Financing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<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;">us-gaap_PaymentsForRepurchaseOfEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsOfDividends">
<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>Cash outflow in the form of capital distributions and dividends to common shareholders, preferred shareholders and noncontrolling interests.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Financing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<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;">us-gaap_PaymentsOfDividends</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries">
<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 cash outflow associated with the purchase of noncontrolling interest during the period.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<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;">us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired">
<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 cash outflow associated with the acquisition of a business, net of the cash acquired from the purchase.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Investing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<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;">us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_ProceedsFromIssuanceOfLongTermDebt">
<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 cash inflow from a debt initially having maturity due after one year or beyond the operating cycle, if longer.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3255-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Financing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<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;">us-gaap_ProceedsFromIssuanceOfLongTermDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities">
<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 net cash inflow or outflow from other financing activities. This element is used when there is not a more specific and appropriate element in the taxonomy.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Financing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3095-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3098-108585<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;">us-gaap_ProceedsFromPaymentsForOtherFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ProceedsFromStockOptionsExercised">
<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 cash inflow associated with the amount received from holders exercising their stock options. This item inherently excludes any excess tax benefit, which the entity may have realized and reported separately.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (j)<br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3255-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Financing Activities<br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<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;">us-gaap_ProceedsFromStockOptionsExercised</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_ShareBasedCompensation">
<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 aggregate amount of noncash, equity-based employee remuneration. This may include the value of stock or unit options, amortization of restricted stock or units, and adjustment for officers' compensation. As noncash, this element is an add back when calculating net cash generated by operating activities using the indirect method.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<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;">us-gaap_ShareBasedCompensation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=us-gaap_ParentCompanyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6845914352">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Segment Reporting (Narrative) (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2015 </div>
<div>segment</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_us-gaap_SegmentReportingAbstract', window );"><strong>Segment Reporting [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_us-gaap_NumberOfOperatingSegments', window );">Number of operating segments</a></td>
<td class="nump">2<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of operating segments. An operating segment is a component of an enterprise: (a) that engages in business activities from which it may earn revenues and incur expenses (including revenues and expenses relating to transactions with other components of the same enterprise), (b) whose operating results are regularly reviewed by the enterprise's chief operating decision maker to make decisions about resources to be allocated to the segment and assess its performance, and (c) for which discrete financial information is available. An operating segment may engage in business activities for which it has yet to earn revenues, for example, start-up operations may be operating segments before earning revenues.</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;">us-gaap_NumberOfOperatingSegments</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><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">
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6826655280">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Segment Reporting (Business Segment Assets) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_Goodwill', window );">Goodwill</a></td>
<td class="nump">$ 60,402<span></span>
</td>
<td class="nump">$ 61,153<span></span>
</td>
<td class="nump">$ 48,536<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_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Other intangible assets, net</a></td>
<td class="nump">6,544<span></span>
</td>
<td class="nump">7,486<span></span>
</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_us-gaap_Assets', window );">Assets</a></td>
<td class="nump">3,381,024<span></span>
</td>
<td class="nump">3,089,521<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=fisi_BankingSegmentMember', window );">Banking [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_Goodwill', window );">Goodwill</a></td>
<td class="nump">48,536<span></span>
</td>
<td class="nump">48,536<span></span>
</td>
<td class="nump">$ 48,536<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_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Other intangible assets, net</a></td>
<td class="nump">829<span></span>
</td>
<td class="nump">1,125<span></span>
</td>
<td class="text">&#160;<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_us-gaap_Assets', window );">Assets</a></td>
<td class="nump">3,356,987<span></span>
</td>
<td class="nump">3,065,109<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=fisi_InsuranceSegmentMember', window );">Insurance [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_Goodwill', window );">Goodwill</a></td>
<td class="nump">11,866<span></span>
</td>
<td class="nump">12,617<span></span>
</td>
<td class="text"> <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_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Other intangible assets, net</a></td>
<td class="nump">5,715<span></span>
</td>
<td class="nump">6,361<span></span>
</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_us-gaap_Assets', window );">Assets</a></td>
<td class="nump">20,315<span></span>
</td>
<td class="nump">20,368<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=fisi_HoldingCompanyAndOtherSegmentMember', window );">Holding Company and Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_Assets', window );">Assets</a></td>
<td class="nump">$ 3,722<span></span>
</td>
<td class="nump">$ 4,044<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
<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>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.18)<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 12<br> -Article 7<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 02<br> -Paragraph 18<br> -Article 5<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;">us-gaap_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FiniteLivedIntangibleAssetsNet">
<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>Amount after amortization of assets, excluding financial assets and goodwill, lacking physical substance with a finite life.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16323-109275<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;">us-gaap_FiniteLivedIntangibleAssetsNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Goodwill">
<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>Amount after accumulated impairment loss of an asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13770-109266<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;">us-gaap_Goodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SegmentReportingInformationLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</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;">us-gaap_SegmentReportingInformationLineItems</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementBusinessSegmentsAxis=fisi_InsuranceSegmentMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementBusinessSegmentsAxis=fisi_HoldingCompanyAndOtherSegmentMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<head>
<title></title>
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<span style="display: none;">v3.3.1.900</span><table class="report" border="0" cellspacing="2" id="idp6822853936">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Segment Reporting (Business Segment Profit (Loss)) (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="4">12 Months Ended</th>
</tr>
<tr>
<th class="th" colspan="2"><div>Dec. 31, 2015</div></th>
<th class="th"><div>Dec. 31, 2014</div></th>
<th class="th"><div>Dec. 31, 2013</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_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</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_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 95,313<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">$ 93,774<span></span>
</td>
<td class="nump">$ 91,594<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_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for loan losses</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(7,381)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(7,789)<span></span>
</td>
<td class="num">(9,079)<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_us-gaap_NoninterestIncome', window );">Noninterest income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">30,337<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">25,350<span></span>
</td>
<td class="nump">24,833<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_us-gaap_NoninterestExpense', window );">Noninterest expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(79,393)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(72,355)<span></span>
</td>
<td class="num">(69,441)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Income before income taxes</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">38,876<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">38,980<span></span>
</td>
<td class="nump">37,907<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_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax (expense) benefit</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(10,539)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(9,625)<span></span>
</td>
<td class="num">(12,377)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">28,337<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">29,355<span></span>
</td>
<td class="nump">$ 25,530<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_us-gaap_GoodwillImpairmentLoss', window );">Goodwill impairment</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">751<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=fisi_BankingSegmentMember', window );">Banking [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</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_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">97,063<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">93,774<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for loan losses</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(7,381)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(7,789)<span></span>
</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_us-gaap_NoninterestIncome', window );">Noninterest income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">24,734<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">23,602<span></span>
</td>
<td class="text">&#160;<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_us-gaap_NoninterestExpense', window );">Noninterest expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(71,599)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(67,857)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Income before income taxes</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">42,817<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">41,730<span></span>
</td>
<td class="text">&#160;<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_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax (expense) benefit</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(12,230)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(10,735)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 30,587<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">30,995<span></span>
</td>
<td class="text">&#160;<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_us-gaap_GoodwillImpairmentLoss', window );">Goodwill impairment</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=fisi_InsuranceSegmentMember', window );">Insurance [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</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_us-gaap_NoninterestIncome', window );">Noninterest income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">$ 4,969<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,073<span></span>
</td>
<td class="text">&#160;<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_us-gaap_NoninterestExpense', window );">Noninterest expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(5,426)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(1,877)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Income before income taxes</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(457)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">196<span></span>
</td>
<td class="text">&#160;<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_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax (expense) benefit</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(121)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(9)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(578)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">187<span></span>
</td>
<td class="text">&#160;<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_us-gaap_GoodwillImpairmentLoss', window );">Goodwill impairment</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">751<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=fisi_HoldingCompanyAndOtherSegmentMember', window );">Holding Company and Other [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</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_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,750)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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_us-gaap_NoninterestIncome', window );">Noninterest income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">634<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(325)<span></span>
</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_us-gaap_NoninterestExpense', window );">Noninterest expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,368)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(2,621)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Income before income taxes</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(3,484)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">(2,946)<span></span>
</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_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax (expense) benefit</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,812<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,119<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">$ (1,672)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="num">$ (1,827)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr><td colspan="6"></td></tr>
<tr><td colspan="6"><table class="outerFootnotes" width="100%">
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top">Insurance segment includes goodwill impairment of $751 thousand</td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top">Reflects activity from SDN since August 1, 2014, the date of acquisition.</td>
</tr>
</table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillImpairmentLoss">
<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>Amount of loss from the write-down of an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13854-109267<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13777-109266<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<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;">us-gaap_GoodwillImpairmentLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</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_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest">
<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>This element represents the income or loss from continuing operations attributable to the economic entity which may also be defined as revenue less expenses from ongoing operations, after income or loss from equity method investments, but before income taxes, extraordinary items, and noncontrolling interest.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 940<br> -SubTopic 20<br> -Section 25<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=35710027&amp;loc=d3e41242-110953<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 10<br> -Article 5<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;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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_us-gaap_IncomeTaxExpenseBenefit">
<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>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a),(b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Income Tax Expense (or Benefit)<br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 08<br> -Paragraph h<br> -Article 4<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>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The net amount of operating interest income (expense).</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.10)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 10<br> -Article 9<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>
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<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 portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</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 FASB<br> -Name Accounting Standards Codification<br> -Glossary Net Income<br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.19)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 225<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.18)<br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.22)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Glossary Other Comprehensive Income<br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 03<br> -Paragraph 19<br> -Article 5<br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 20<br> -Article 9<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;">us-gaap_NetIncomeLoss</td>
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<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>Total aggregate amount of all noninterest expense.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 14<br> -Article 9<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;">us-gaap_NoninterestExpense</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 13<br> -Article 9<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;">us-gaap_NoninterestIncome</td>
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<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>Amount of expense related to estimated loss from loan and lease transactions.</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 FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 225<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.11)<br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 04<br> -Paragraph 11<br> -Article 9<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>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
